Hilo, HI · Charter 24630
NCUA · 9 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.73% | 0.69% | 0.57% | 0.41% | 0.58% | -15 bps | |
| Return on Equity | 6.37% | 6.05% | 5.06% | 3.73% | 5.29% | -108 bps | |
| Net Interest Margin | 3.10% | 3.05% | 3.02% | 3.10% | 3.18% | +8 bps | |
| Efficiency Ratio | 81.35% | 80.98% | 82.16% | 80.63% | 83.90% | +255 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 4.34% | 8.03% | 7.61% | 7.77% | 9.50% | +516 bps | |
| Loan Growth (YoY) | 4.15% | -2.48% | 11.21% | 23.59% | 18.30% | +1,415 bps | |
| Share Growth (YoY) | 5.79% | 9.89% | 9.46% | 9.67% | 9.17% | +338 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.49% | 11.39% | 11.19% | 10.95% | 10.97% | -52 bps | |
| Net Worth / Assets | 11.49% | 11.39% | 11.19% | 10.95% | 10.97% | -52 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |