PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Hawaii Central

Honolulu, HI · Charter 24839

NCUA · 2 branches

Q2 2026

$307.6MAssets
$178.3MLoans
$283.3MShares
$30.9MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.80%, up 34 bps year over year; NIM at 2.63%.
  • Asset quality: problem loans at 1.43% of loans (+105 bps YoY).
  • Capital: net worth / assets of 10.06%, up 51 bps from a year ago.
  • Funding: loans stand at 62.92% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.80%+34 bps YoY

Net Interest Margin (YTD, annualized)

2.63%+37 bps YoY

Efficiency Ratio (YTD, annualized)

71.06%-1,252 bps YoY

Net Worth / Assets

10.06%+51 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.46%0.76%0.60%0.63%0.80%+34 bps
Return on Equity4.80%7.62%6.10%6.50%7.93%+313 bps
Net Interest Margin2.26%2.32%2.32%2.47%2.63%+37 bps
Efficiency Ratio83.58%76.15%78.82%73.97%71.06%-1,252 bps
Growth
Asset Growth (YoY)-1.16%-1.40%2.09%6.66%2.78%+394 bps
Loan Growth (YoY)-6.19%-0.40%5.53%4.86%9.12%+1,530 bps
Share Growth (YoY)6.11%1.58%3.17%5.74%1.40%-471 bps
Asset Quality
Delinquent Loans / Loans0.39%2.11%1.29%1.22%1.43%+105 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.55%9.99%9.91%9.70%10.06%+51 bps
Net Worth / Assets9.55%9.99%9.91%9.70%10.06%+51 bps
Liquidity & Funding
Loans / Shares58.47%62.47%64.60%60.90%62.92%+445 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps