Eleele, HI · Charter 2713
NCUA · 1 branch
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
96
Asset Quality
18
Profitability
39
Liquidity
0
Efficiency
98
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Eleele, HI · Charter 2713
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.00% | 1.13% | 0.88% | 1.19% | 1.21% | +20 bps | |
| Return on Equity | 3.76% | 4.27% | 3.35% | 4.47% | 4.48% | +72 bps | |
| Net Interest Margin | 2.18% | 2.17% | 1.90% | 2.31% | 2.27% | +10 bps | |
| Efficiency Ratio | 43.89% | 43.19% | 49.22% | 47.00% | 45.39% | +150 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.91% | 4.14% | 6.08% | 3.62% | 3.08% | -83 bps | |
| Loan Growth (YoY) | -11.98% | -12.90% | -12.69% | -10.02% | -6.69% | +529 bps | |
| Share Growth (YoY) | 2.07% | 3.22% | 3.70% | 2.42% | 1.99% | -7 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 4.69% | 3.75% | 4.51% | 3.71% | 1.70% | -299 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 26.72% | 26.48% | 26.38% | 26.71% | 26.92% | +20 bps | |
| Net Worth / Assets | 26.72% | 26.48% | 26.38% | 26.71% | 26.92% | +20 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 22.60% | 21.63% | 21.11% | 20.18% | 20.68% | -193 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Eleele, HI · Charter 2713 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.21%
Rank 398 of 1,683
Net Interest Margin
2.28%
Rank 1,642 of 1,683
Efficiency Ratio
45.34%
Rank 33 of 1,682
Equity / Assets
26.92%
Rank 75 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.21% | 0.35% | 0.74% | 1.18% | Beats 76% | 398 / 1,683 | |
| Return on Equity | 4.48% | 2.67% | 5.89% | 8.74% | Beats 39% | 1,023 / 1,681 | |
| Net Interest Margin | 2.28% | 3.31% | 3.82% | 4.32% | Beats 2% | 1,642 / 1,683 | |
| Efficiency Ratio | 45.34% | 68.91% | 78.20% | 86.93% | Beats 98% | 33 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 1.69% | 0.26% | 0.65% | 1.29% | Beats 18% | 1,388 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 26.92% | 10.44% | 12.89% | 16.53% | Beats 96% | 75 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 26.92% | 10.44% | 12.89% | 16.53% | Beats 96% | 75 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 20.68% | 52.61% | 69.38% | 83.50% | 2nd pctl | 1,648 / 1,683 | |
| Loans / Assets | 15.76% | 44.71% | 59.18% | 70.72% | 2nd pctl | 1,652 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||