Onomea
Papaikou, HI · Charter 3050 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$26.0MAssets
$20.3MLoans
$21.1MShares
$4.8MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 95% of credit unions under $1B in assets (rank 85 of 1683).
- Widest gap: nonperforming loans / loans trails 38% of credit unions under $1B in assets (rank 634 of 1682).
- Overall: at or above the peer median on 7 of 7 directional measures.
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 | 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 |