Kahului, HI · Charter 3574
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.72% | 0.69% | 0.47% | 0.47% | 0.66% | -6 bps | |
| Return on Equity | 7.72% | 7.53% | 5.27% | 5.22% | 7.08% | -64 bps | |
| Net Interest Margin | 3.00% | 2.93% | 2.94% | 3.18% | 3.16% | +16 bps | |
| Efficiency Ratio | 78.00% | 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 / Loans | 0.67% | 0.38% | 0.31% | 0.39% | 0.44% | -23 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.29% | 9.18% | 8.97% | 9.10% | 9.26% | -3 bps | |
| Net Worth / Assets | 9.29% | 9.18% | 8.97% | 9.10% | 9.26% | -3 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 38.80% | 38.60% | 37.93% | 37.93% | 37.55% | -124 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |