Valley Isle Community
Kahului, HI · Charter 3574 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$174.1MAssets
$60.4MLoans
$160.9MShares
$16.1MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 63% of credit unions under $1B in assets (rank 620 of 1682).
- Widest gap: equity / assets trails 88% of credit unions under $1B in assets (rank 1475 of 1683).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.65%
Rank 942 of 1,683
Net Interest Margin
3.16%
Rank 1,359 of 1,683
Efficiency Ratio
79.52%
Rank 908 of 1,682
Equity / Assets
9.26%
Rank 1,475 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.65% | 0.35% | 0.74% | 1.18% | Beats 44% | 942 / 1,683 | | |
| Return on Equity | 7.07% | 2.67% | 5.89% | 8.74% | Beats 62% | 643 / 1,681 | | |
| Net Interest Margin | 3.16% | 3.31% | 3.82% | 4.32% | Beats 19% | 1,359 / 1,683 | | |
| Efficiency Ratio | 79.52% | 68.91% | 78.20% | 86.93% | Beats 46% | 908 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.44% | 0.26% | 0.65% | 1.29% | Beats 63% | 620 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 9.26% | 10.44% | 12.89% | 16.53% | Beats 12% | 1,475 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 9.26% | 10.44% | 12.89% | 16.53% | Beats 12% | 1,475 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 37.55% | 52.61% | 69.38% | 83.50% | 9th pctl | 1,527 / 1,683 | | |
| Loans / Assets | 34.71% | 44.71% | 59.18% | 70.72% | 13th pctl | 1,471 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |