Papaikou, HI · Charter 3050
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
81
Asset Quality
62
Profitability
86
Liquidity
0
Efficiency
93
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.
Papaikou, HI · Charter 3050
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 | 1.83% | 1.44% | 1.49% | 1.54% | 1.67% | 1.34% | 1.50% | 1.95% | +41 bps | |
| Return on Equity | 10.75% | 8.50% | 8.97% | 9.28% | 9.60% | 7.90% | 8.72% | 10.64% | +136 bps | |
| Net Interest Margin | 4.02% | 3.66% | 3.77% | 3.78% | 3.96% | 3.68% | 4.12% | 4.34% | +56 bps | |
| Efficiency Ratio | 55.38% | 62.52% | 62.71% | 60.88% | 59.07% | 63.64% | 58.41% | 55.02% | -586 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.40% | -2.23% | 3.76% | 4.38% | 6.02% | 8.65% | 4.12% | -1.07% | -545 bps | |
| Loan Growth (YoY) | 13.42% | 12.59% | 9.30% | 2.76% | 1.24% | -1.25% | -1.15% | -3.52% | -628 bps | |
| Share Growth (YoY) | -7.04% | -4.23% | 3.10% | 1.93% | 5.89% | 8.48% | 3.58% | -1.41% | -335 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.26% | 0.10% | 0.18% | 0.27% | 0.14% | 0.24% | 0.12% | 0.46% | +19 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 | 17.01% | 16.96% | 16.56% | 16.58% | 17.37% | 16.95% | 17.25% | 18.33% | +175 bps | |
| Net Worth / Assets | 17.01% | 16.96% | 16.56% | 16.58% | 17.37% | 16.95% | 17.25% | 18.33% | +175 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 98.50% | 101.14% | 97.38% | 98.30% | 94.18% | 92.07% | 92.93% | 96.20% | -210 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Papaikou, HI · Charter 3050 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
Return on Assets
1.95%
Rank 85 of 1,683
Net Interest Margin
4.35%
Rank 405 of 1,683
Efficiency Ratio
55.03%
Rank 114 of 1,682
Equity / Assets
18.32%
Rank 316 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.95% | 0.35% | 0.74% | 1.18% | Beats 95% | 85 / 1,683 | ||
| Return on Equity | 10.64% | 2.67% | 5.89% | 8.74% | Beats 86% | 231 / 1,681 | ||
| Net Interest Margin | 4.35% | 3.31% | 3.82% | 4.32% | Beats 76% | 405 / 1,683 | ||
| Efficiency Ratio | 55.03% | 68.91% | 78.20% | 86.93% | Beats 93% | 114 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.46% | 0.26% | 0.65% | 1.29% | Beats 62% | 634 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.32% | 10.44% | 12.89% | 16.53% | Beats 81% | 316 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 18.32% | 10.44% | 12.89% | 16.53% | Beats 81% | 316 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 96.20% | 52.61% | 69.38% | 83.50% | 94th pctl | 95 / 1,683 | ||
| Loans / Assets | 77.99% | 44.71% | 59.18% | 70.72% | 89th pctl | 188 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||