Kauai
Lihue, HI · Charter 5487 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$192.8MAssets
$152.9MLoans
$140.4MShares
$16.9MNet Worth
Executive Summary
- Strongest standing: return on equity outperforms 63% of credit unions under $1B in assets (rank 627 of 1681).
- Widest gap: equity / assets trails 91% of credit unions under $1B in assets (rank 1536 of 1683).
- Overall: at or above the peer median on 2 of 7 directional measures.
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 |