Kahului, HI · Charter 2562
NCUA · 3 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 | 0.35% | 0.30% | 0.29% | 0.38% | 0.38% | 0.34% | 0.77% | 1.00% | +61 bps | |
| Return on Equity | 2.35% | 2.06% | 2.05% | 2.71% | 2.66% | 2.40% | 5.51% | 7.06% | +435 bps | |
| Net Interest Margin | 2.07% | 2.07% | 2.15% | 2.26% | 2.32% | 2.36% | 2.57% | 2.64% | +38 bps | |
| Efficiency Ratio | 87.50% | 89.02% | 89.93% | 86.52% | 86.86% | 88.28% | 74.43% | 72.60% | -1,392 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.85% | 1.77% | 3.83% | 5.66% | 6.54% | 4.64% | 4.26% | 4.88% | -77 bps | |
| Loan Growth (YoY) | 0.28% | -3.56% | -4.38% | -6.40% | -6.93% | -2.80% | -3.59% | -2.45% | +395 bps | |
| Share Growth (YoY) | -1.51% | 1.74% | 3.80% | 5.91% | 7.00% | 4.71% | 4.11% | 4.81% | -110 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.24% | 1.57% | 1.52% | 1.57% | 1.23% | 1.53% | 1.19% | 1.15% | -43 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 | 14.76% | 14.51% | 14.06% | 14.15% | 14.18% | 14.21% | 13.94% | 14.14% | -2 bps | |
| Net Worth / Assets | 14.76% | 14.51% | 14.06% | 14.15% | 14.18% | 14.21% | 13.94% | 14.14% | -2 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 34.73% | 33.12% | 31.23% | 30.79% | 30.21% | 30.74% | 28.92% | 28.66% | -213 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |