PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

CU Hawaii

Hilo, HI · Charter 24630

NCUA · 9 branches

Q2 2026

$460.3MAssets
$212.1MLoans
$401.1MShares
$50.5MNet Worth

Executive Summary

  • Earnings: ROA of 0.58%, down 15 bps year over year; NIM at 3.18%.
  • Asset quality: problem loans at 0.33% of loans (+11 bps YoY).
  • Capital: net worth / assets of 10.97%, down 52 bps from a year ago.
  • Funding: loans stand at 52.88% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

0.58%-15 bps YoY

Net Interest Margin (YTD, annualized)

3.18%+8 bps YoY

Efficiency Ratio (YTD, annualized)

83.90%+255 bps YoY

Net Worth / Assets

10.97%-52 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.62%0.64%0.83%0.73%0.69%0.57%0.41%0.58%-15 bps
Return on Equity5.36%5.60%7.36%6.37%6.05%5.06%3.73%5.29%-108 bps
Net Interest Margin3.05%3.01%3.05%3.10%3.05%3.02%3.10%3.18%+8 bps
Efficiency Ratio81.08%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 / Loans0.36%0.37%0.18%0.22%0.26%0.48%0.20%0.33%+11 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.58%11.45%11.33%11.49%11.39%11.19%10.95%10.97%-52 bps
Net Worth / Assets11.58%11.45%11.33%11.49%11.39%11.19%10.95%10.97%-52 bps
Liquidity & Funding
Loans / Shares53.50%51.35%48.67%48.80%47.48%52.17%54.85%52.88%+408 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps