Honolulu, HI · Charter 24284
NCUA · 1 branch
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.34% | 1.54% | -1.53% | 0.82% | 1.32% | 1.48% | 0.69% | 1.32% | +50 bps | |
| Return on Equity | 8.32% | 9.60% | -9.68% | 4.83% | 7.60% | 8.28% | 3.67% | 6.58% | +174 bps | |
| Net Interest Margin | 2.98% | 3.11% | 3.03% | 3.09% | 3.26% | 3.28% | 2.96% | 3.14% | +5 bps | |
| Efficiency Ratio | 45.72% | 42.25% | 50.31% | 48.11% | 43.78% | 42.92% | 50.28% | 45.62% | -249 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.63% | -3.80% | -1.92% | -0.08% | 1.64% | -2.55% | -7.49% | -7.34% | -726 bps | |
| Loan Growth (YoY) | -0.36% | -2.95% | 2.66% | -2.87% | -15.85% | -22.86% | -29.68% | -31.99% | -2,912 bps | |
| Share Growth (YoY) | -10.16% | -5.91% | -3.24% | -1.18% | 0.16% | -4.76% | -10.79% | -10.84% | -967 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 10.73% | 7.07% | 0.48% | 4.20% | 2.98% | 5.32% | 3.61% | 6.55% | +234 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.15% | 16.05% | 15.79% | 16.92% | 17.36% | 17.92% | 18.74% | 20.05% | +312 bps | |
| Net Worth / Assets | 16.15% | 16.05% | 15.79% | 16.92% | 17.36% | 17.92% | 18.74% | 20.05% | +312 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 26.08% | 24.95% | 24.38% | 22.96% | 21.91% | 20.21% | 19.21% | 17.51% | -544 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |