Hilo, HI · Charter 24630
NCUA · 9 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |