Eleele, HI · Charter 2713
NCUA · 1 branch
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 | 1.49% | 1.13% | 1.06% | 1.00% | 1.13% | 0.88% | 1.19% | 1.21% | +20 bps | |
| Return on Equity | 5.59% | 4.17% | 3.98% | 3.76% | 4.27% | 3.35% | 4.47% | 4.48% | +72 bps | |
| Net Interest Margin | 2.30% | 2.01% | 2.18% | 2.18% | 2.17% | 1.90% | 2.31% | 2.27% | +10 bps | |
| Efficiency Ratio | 39.51% | 45.87% | 46.23% | 43.89% | 43.19% | 49.22% | 47.00% | 45.39% | +150 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.78% | -1.02% | 2.89% | 3.91% | 4.14% | 6.08% | 3.62% | 3.08% | -83 bps | |
| Loan Growth (YoY) | 22.45% | 19.17% | 14.30% | -11.98% | -12.90% | -12.69% | -10.02% | -6.69% | +529 bps | |
| Share Growth (YoY) | -4.72% | -3.09% | -0.06% | 2.07% | 3.22% | 3.70% | 2.42% | 1.99% | -7 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.63% | 4.13% | 3.63% | 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 | 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 | 26.70% | 27.05% | 26.72% | 26.72% | 26.48% | 26.38% | 26.71% | 26.92% | +20 bps | |
| Net Worth / Assets | 26.70% | 27.05% | 26.72% | 26.72% | 26.48% | 26.38% | 26.71% | 26.92% | +20 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 25.63% | 25.07% | 22.97% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |