PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Valley Isle Community

Kahului, HI · Charter 3574

NCUA · 3 branches

Q2 2026

$174.1MAssets
$60.4MLoans
$160.9MShares
$16.1MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.66%, down 6 bps year over year; NIM at 3.16%.
  • Asset quality: problem loans at 0.44% of loans (-23 bps YoY).
  • Capital: net worth / assets of 9.26%, down 3 bps from a year ago.
  • Funding: loans stand at 37.55% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.66%-6 bps YoY

Net Interest Margin (YTD, annualized)

3.16%+16 bps YoY

Efficiency Ratio (YTD, annualized)

79.54%+154 bps YoY

Net Worth / Assets

9.26%-3 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.72%0.69%0.47%0.47%0.66%-6 bps
Return on Equity7.72%7.53%5.27%5.22%7.08%-64 bps
Net Interest Margin3.00%2.93%2.94%3.18%3.16%+16 bps
Efficiency Ratio78.00%77.38%81.75%84.43%79.54%+154 bps
Growth
Asset Growth (YoY)7.01%9.24%10.54%7.26%5.34%-166 bps
Loan Growth (YoY)6.45%6.67%1.73%2.55%2.09%-436 bps
Share Growth (YoY)4.43%8.29%9.11%6.71%5.48%+105 bps
Asset Quality
Delinquent Loans / Loans0.67%0.38%0.31%0.39%0.44%-23 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital9.29%9.18%8.97%9.10%9.26%-3 bps
Net Worth / Assets9.29%9.18%8.97%9.10%9.26%-3 bps
Liquidity & Funding
Loans / Shares38.80%38.60%37.93%37.93%37.55%-124 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps