Kahului, HI · Charter 3574
NCUA · 3 branches
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 | 0.84% | 0.54% | 1.19% | 0.72% | 0.69% | 0.47% | 0.47% | 0.66% | -6 bps | |
| Return on Equity | 8.78% | 5.75% | 12.63% | 7.72% | 7.53% | 5.27% | 5.22% | 7.08% | -64 bps | |
| Net Interest Margin | 3.22% | 3.17% | 3.00% | 3.00% | 2.93% | 2.94% | 3.18% | 3.16% | +16 bps | |
| Efficiency Ratio | 78.64% | 84.79% | 70.01% | 78.00% | 77.38% | 81.75% | 84.43% | 79.54% | +154 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 4.34% | 0.93% | 3.66% | 7.01% | 9.24% | 10.54% | 7.26% | 5.34% | -166 bps | |
| Loan Growth (YoY) | 20.46% | 16.90% | 13.05% | 6.45% | 6.67% | 1.73% | 2.55% | 2.09% | -436 bps | |
| Share Growth (YoY) | 1.51% | 0.05% | 1.66% | 4.43% | 8.29% | 9.11% | 6.71% | 5.48% | +105 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.15% | 0.27% | 0.26% | 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 | 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 | 9.57% | 9.42% | 9.45% | 9.29% | 9.18% | 8.97% | 9.10% | 9.26% | -3 bps | |
| Net Worth / Assets | 9.57% | 9.42% | 9.45% | 9.29% | 9.18% | 8.97% | 9.10% | 9.26% | -3 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 39.18% | 40.68% | 39.47% | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |