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Lanai

Lanai City, HI · Charter 2953

NCUA · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Birmingham, AL area3

Basis

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.

Peer group

Credit unions under $1B in assets in the Birmingham, AL area (n=29). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

34

Q2 2024Q2 2026peer median (50)

Asset Quality

59

Q2 2024Q2 2026peer median (50)

Profitability

66

Q2 2024Q2 2026peer median (50)

Liquidity

0

Q2 2024Q2 2026peer median

Efficiency

93

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Lanai

Lanai City, HI · Charter 2953

NCUA · 2 branches

Q2 2026

$38.2MAssets
$5.7MLoans
$33.6MShares
$4.5MNet Worth

Executive Summary

  • Earnings: ROA of 1.37%, up 82 bps year over year; NIM at 3.23%.
  • Asset quality: problem loans at 0.88% of loans (+49 bps YoY).
  • Capital: net worth / assets of 11.89%, up 53 bps from a year ago.
  • Funding: loans stand at 16.93% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.37%+82 bps YoY

Net Interest Margin (YTD, annualized)

3.23%+60 bps YoY

Efficiency Ratio (YTD, annualized)

58.19%-1,722 bps YoY

Net Worth / Assets

11.89%+53 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.42%0.44%0.59%0.55%0.76%0.79%1.23%1.37%+82 bps
Return on Equity3.73%3.94%5.24%4.83%6.57%6.68%10.57%11.50%+667 bps
Net Interest Margin2.27%2.28%2.58%2.64%2.75%2.74%3.12%3.23%+60 bps
Efficiency Ratio74.57%76.54%73.37%75.41%69.70%68.64%58.78%58.19%-1,722 bps
Growth
Asset Growth (YoY)-0.87%4.73%5.16%2.94%2.04%2.66%5.81%6.01%+307 bps
Loan Growth (YoY)13.36%23.30%22.00%19.94%18.50%20.44%20.46%26.37%+643 bps
Share Growth (YoY)-1.34%4.82%5.46%2.85%1.45%2.04%5.23%5.33%+248 bps
Asset Quality
Delinquent Loans / Loans0.61%0.86%0.47%0.39%0.50%0.97%0.71%0.88%+49 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.15%11.26%11.35%11.36%11.63%11.75%11.65%11.89%+53 bps
Net Worth / Assets11.15%11.26%11.35%11.36%11.63%11.75%11.65%11.89%+53 bps
Liquidity & Funding
Loans / Shares13.11%13.75%14.08%14.11%15.32%16.23%16.12%16.93%+282 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Lanai

Lanai City, HI · Charter 2953 · Peer group: credit unions under $1B in assets in the Birmingham, AL area (n=29)

NCUA · 2 branches

Q2 2026

$38.2MAssets
$5.7MLoans
$33.6MShares
$4.5MNet Worth

Executive Summary

  • Strongest standing: return on equity outperforms 93% of credit unions under $1B in assets in the Birmingham, AL area (rank 2 of 29).
  • Widest gap: net interest margin trails 79% of credit unions under $1B in assets in the Birmingham, AL area (rank 23 of 29).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

1.37%

Rank 5 of 29

Net Interest Margin

3.23%

Rank 23 of 29

Efficiency Ratio

58.22%

Rank 3 of 29

Equity / Assets

11.89%

Rank 19 of 29

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Earnings
Return on Assets1.37%0.26%0.65%1.06%Beats 83%5 / 29
Return on Equity11.51%2.33%4.15%7.02%Beats 93%2 / 29
Net Interest Margin3.23%3.29%3.80%4.67%Beats 21%23 / 29
Efficiency Ratio58.22%67.71%81.00%89.29%Beats 93%3 / 29
Asset Quality
Nonperforming Loans / Loans0.88%0.40%1.03%1.72%Beats 59%13 / 29
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio11.89%10.13%13.97%19.12%Beats 34%19 / 29
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets11.89%10.13%13.97%19.12%Beats 34%19 / 29
Liquidity & Funding
Loans / Deposits16.93%40.72%55.53%68.24%3rd pctl28 / 29
Loans / Assets14.89%35.46%45.52%58.70%3rd pctl28 / 29
Brokered Deposits / Depositsn/aNot reported for this institution