Hilo, HI · Charter 24630
NCUA · 9 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
31
Asset Quality
70
Profitability
34
Liquidity
46
Efficiency
33
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Hilo, HI · Charter 24630
NCUA · 9 branches
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 | 0.62% | 0.64% | 0.83% | 0.73% | 0.69% | 0.57% | 0.41% | 0.58% | -15 bps | |
| Return on Equity | 5.36% | 5.60% | 7.36% | 6.37% | 6.05% | 5.06% | 3.73% | 5.29% | -108 bps | |
| Net Interest Margin | 3.05% | 3.01% | 3.05% | 3.10% | 3.05% | 3.02% | 3.10% | 3.18% | +8 bps | |
| Efficiency Ratio | 81.08% | 81.32% | 78.86% | 81.35% | 80.98% | 82.16% | 80.63% | 83.90% | +255 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -1.00% | 3.28% | 3.48% | 4.34% | 8.03% | 7.61% | 7.77% | 9.50% | +516 bps | |
| Loan Growth (YoY) | 5.94% | 3.32% | 0.65% | 4.15% | -2.48% | 11.21% | 23.59% | 18.30% | +1,415 bps | |
| Share Growth (YoY) | -3.06% | 1.17% | 4.57% | 5.79% | 9.89% | 9.46% | 9.67% | 9.17% | +338 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.36% | 0.37% | 0.18% | 0.22% | 0.26% | 0.48% | 0.20% | 0.33% | +11 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 | 11.58% | 11.45% | 11.33% | 11.49% | 11.39% | 11.19% | 10.95% | 10.97% | -52 bps | |
| Net Worth / Assets | 11.58% | 11.45% | 11.33% | 11.49% | 11.39% | 11.19% | 10.95% | 10.97% | -52 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 53.50% | 51.35% | 48.67% | 48.80% | 47.48% | 52.17% | 54.85% | 52.88% | +408 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Hilo, HI · Charter 24630 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 9 branches
Q2 2026
Return on Assets
0.58%
Rank 1,039 of 1,683
Net Interest Margin
3.18%
Rank 1,346 of 1,683
Efficiency Ratio
83.90%
Rank 1,133 of 1,682
Equity / Assets
10.97%
Rank 1,159 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.58% | 0.35% | 0.74% | 1.18% | Beats 38% | 1,039 / 1,683 | ||
| Return on Equity | 5.29% | 2.67% | 5.89% | 8.74% | Beats 45% | 929 / 1,681 | ||
| Net Interest Margin | 3.18% | 3.31% | 3.82% | 4.32% | Beats 20% | 1,346 / 1,683 | ||
| Efficiency Ratio | 83.90% | 68.91% | 78.20% | 86.93% | Beats 33% | 1,133 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.33% | 0.26% | 0.65% | 1.29% | Beats 70% | 501 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 10.97% | 10.44% | 12.89% | 16.53% | Beats 31% | 1,159 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 10.97% | 10.44% | 12.89% | 16.53% | Beats 31% | 1,159 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 52.88% | 52.61% | 69.38% | 83.50% | 25th pctl | 1,256 / 1,683 | ||
| Loans / Assets | 46.08% | 44.71% | 59.18% | 70.72% | 27th pctl | 1,224 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||