Lihue, HI · Charter 5487
NCUA · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
9
Asset Quality
9
Profitability
53
Liquidity
0
Efficiency
33
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Lihue, HI · Charter 5487
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.00% | 0.13% | 0.19% | 0.46% | 0.63% | +62 bps | |
| Return on Equity | 0.05% | 1.55% | 2.34% | 5.51% | 7.16% | +712 bps | |
| Net Interest Margin | 3.44% | 3.59% | 3.64% | 3.73% | 3.88% | +44 bps | |
| Efficiency Ratio | 84.74% | 85.03% | 82.65% | 88.74% | 83.57% | -118 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.12% | 10.68% | -1.00% | -0.75% | -1.95% | -1,507 bps | |
| Loan Growth (YoY) | 19.97% | 20.39% | -0.54% | -0.10% | -2.76% | -2,273 bps | |
| Share Growth (YoY) | 7.57% | 2.64% | 3.62% | 2.00% | -3.52% | -1,109 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.70% | 0.98% | 0.88% | 3.12% | 2.71% | +201 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 | 8.08% | 8.21% | 8.29% | 8.35% | 8.75% | +67 bps | |
| Net Worth / Assets | 8.08% | 8.21% | 8.29% | 8.35% | 8.75% | +67 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 108.05% | 111.38% | 109.03% | 106.55% | 108.90% | +85 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lihue, HI · Charter 5487 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.63%
Rank 977 of 1,683
Net Interest Margin
3.88%
Rank 792 of 1,683
Efficiency Ratio
83.57%
Rank 1,122 of 1,682
Equity / Assets
8.75%
Rank 1,536 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.63% | 0.35% | 0.74% | 1.18% | Beats 42% | 977 / 1,683 | |
| Return on Equity | 7.17% | 2.67% | 5.89% | 8.74% | Beats 63% | 627 / 1,681 | |
| Net Interest Margin | 3.88% | 3.31% | 3.82% | 4.32% | Beats 53% | 792 / 1,683 | |
| Efficiency Ratio | 83.57% | 68.91% | 78.20% | 86.93% | Beats 33% | 1,122 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 2.71% | 0.26% | 0.65% | 1.29% | Beats 9% | 1,525 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 8.75% | 10.44% | 12.89% | 16.53% | Beats 9% | 1,536 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 8.75% | 10.44% | 12.89% | 16.53% | Beats 9% | 1,536 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 108.90% | 52.61% | 69.38% | 83.50% | 99th pctl | 21 / 1,683 | |
| Loans / Assets | 79.31% | 44.71% | 59.18% | 70.72% | 91st pctl | 154 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||