Lanai City, HI · Charter 2953
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.42% | 0.44% | 0.59% | 0.55% | 0.76% | 0.79% | 1.23% | 1.37% | +82 bps | |
| Return on Equity | 3.73% | 3.94% | 5.24% | 4.83% | 6.57% | 6.68% | 10.57% | 11.50% | +667 bps | |
| Net Interest Margin | 2.27% | 2.28% | 2.58% | 2.64% | 2.75% | 2.74% | 3.12% | 3.23% | +60 bps | |
| Efficiency Ratio | 74.57% | 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 / Loans | 0.61% | 0.86% | 0.47% | 0.39% | 0.50% | 0.97% | 0.71% | 0.88% | +49 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 | 11.15% | 11.26% | 11.35% | 11.36% | 11.63% | 11.75% | 11.65% | 11.89% | +53 bps | |
| Net Worth / Assets | 11.15% | 11.26% | 11.35% | 11.36% | 11.63% | 11.75% | 11.65% | 11.89% | +53 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 13.11% | 13.75% | 14.08% | 14.11% | 15.32% | 16.23% | 16.12% | 16.93% | +282 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |