PackageTrendsPeer
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Lanai

Lanai City, HI · Charter 2953

NCUA · 2 branches

Q2 2026

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

Financial Results

Return on Assets (quarter, annualized)

1.37%+82 bps YoY

Net Interest Margin (quarter, annualized)

3.23%+60 bps YoY

Efficiency Ratio (quarter, annualized)

58.19%-1,722 bps YoY

Net Worth / Assets

11.89%+53 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.55%0.76%0.79%1.23%1.37%+82 bps
Return on Equity4.83%6.57%6.68%10.57%11.50%+667 bps
Net Interest Margin2.64%2.75%2.74%3.12%3.23%+60 bps
Efficiency Ratio75.41%69.70%68.64%58.78%58.19%-1,722 bps
Growth
Asset Growth (YoY)2.94%2.04%2.66%5.81%6.01%+307 bps
Loan Growth (YoY)19.94%18.50%20.44%20.46%26.37%+643 bps
Share Growth (YoY)2.85%1.45%2.04%5.23%5.33%+248 bps
Asset Quality
Delinquent Loans / Loans0.39%0.50%0.97%0.71%0.88%+49 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 Capital11.36%11.63%11.75%11.65%11.89%+53 bps
Net Worth / Assets11.36%11.63%11.75%11.65%11.89%+53 bps
Liquidity & Funding
Loans / Shares14.11%15.32%16.23%16.12%16.93%+282 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps