PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Kauai Ohana

Lihue, HI · Charter 2577

NCUA · 2 branches

Q2 2026

$63.3MAssets
$36.0MLoans
$57.9MShares
$5.4MNet 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 0.55%, down 42 bps year over year; NIM at 3.71%.
  • Asset quality: problem loans at 0.59% of loans (-40 bps YoY).
  • Capital: net worth / assets of 8.46%, down 40 bps from a year ago.
  • Funding: loans stand at 62.22% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.55%-42 bps YoY

Net Interest Margin (YTD, annualized)

3.71%+28 bps YoY

Efficiency Ratio (YTD, annualized)

86.15%+1,078 bps YoY

Net Worth / Assets

8.46%-40 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.97%0.83%0.77%0.57%0.55%-42 bps
Return on Equity10.95%9.74%9.12%6.90%6.54%-441 bps
Net Interest Margin3.43%3.46%3.51%3.68%3.71%+28 bps
Efficiency Ratio75.36%77.24%78.98%88.85%86.15%+1,078 bps
Growth
Asset Growth (YoY)9.96%16.56%17.28%16.22%11.37%+142 bps
Loan Growth (YoY)15.93%16.30%17.14%8.20%6.99%-895 bps
Share Growth (YoY)10.03%17.62%17.78%16.75%11.87%+184 bps
Asset Quality
Delinquent Loans / Loans0.99%0.42%0.47%0.34%0.59%-40 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 Capital8.85%8.48%8.40%8.33%8.46%-40 bps
Net Worth / Assets8.85%8.48%8.40%8.33%8.46%-40 bps
Liquidity & Funding
Loans / Shares65.06%60.94%61.74%60.77%62.22%-284 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps