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 | |