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 | |