Honolulu, HI · Charter 24839
NCUA · 2 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 | 0.19% | 0.09% | 0.52% | 0.46% | 0.76% | 0.60% | 0.63% | 0.80% | +34 bps | |
| Return on Equity | 2.07% | 0.96% | 5.34% | 4.80% | 7.62% | 6.10% | 6.50% | 7.93% | +313 bps | |
| Net Interest Margin | 2.00% | 2.07% | 2.35% | 2.26% | 2.32% | 2.32% | 2.47% | 2.63% | +37 bps | |
| Efficiency Ratio | 82.27% | 82.34% | 81.84% | 83.58% | 76.15% | 78.82% | 73.97% | 71.06% | -1,252 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.21% | -3.33% | -8.58% | -1.16% | -1.40% | 2.09% | 6.66% | 2.78% | +394 bps | |
| Loan Growth (YoY) | 0.30% | -2.59% | -5.85% | -6.19% | -0.40% | 5.53% | 4.86% | 9.12% | +1,530 bps | |
| Share Growth (YoY) | -6.58% | -5.53% | 1.46% | 6.11% | 1.58% | 3.17% | 5.74% | 1.40% | -471 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.38% | 0.47% | 0.11% | 0.39% | 2.11% | 1.29% | 1.22% | 1.43% | +105 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 | 9.34% | 9.50% | 9.69% | 9.55% | 9.99% | 9.91% | 9.70% | 10.06% | +51 bps | |
| Net Worth / Assets | 9.34% | 9.50% | 9.69% | 9.55% | 9.99% | 9.91% | 9.70% | 10.06% | +51 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 63.71% | 63.15% | 61.42% | 58.47% | 62.47% | 64.60% | 60.90% | 62.92% | +445 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |