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Signia

Wahiawa, HI · Charter 7423

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Urban Honolulu, HI area3

Basis

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.

Peer group

Credit unions under $1B in assets in the Urban Honolulu, HI area (n=17). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

71

Q2 2024Q2 2026peer median (50)

Asset Quality

18

Q2 2024Q2 2026peer median (50)

Profitability

20

Q2 2024Q2 2026peer median (50)

Liquidity

30

Q2 2024Q2 2026peer median

Efficiency

6

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Signia

Wahiawa, HI · Charter 7423

NCUA · 1 branch

Q2 2026

$34.0MAssets
$21.0MLoans
$28.0MShares
$5.8MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.24%, down 25 bps year over year; NIM at 3.13%.
  • Asset quality: problem loans at 2.28% of loans (+217 bps YoY).
  • Capital: net worth / assets of 17.17%, down 27 bps from a year ago.
  • Funding: loans stand at 74.76% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.24%-25 bps YoY

Net Interest Margin (YTD, annualized)

3.13%-16 bps YoY

Efficiency Ratio (YTD, annualized)

93.91%+587 bps YoY

Net Worth / Assets

17.17%-27 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.50%0.47%0.45%0.19%0.24%-25 bps
Return on Equity2.84%2.71%2.69%1.12%1.41%-144 bps
Net Interest Margin3.29%3.26%3.14%2.98%3.13%-16 bps
Efficiency Ratio88.03%88.38%88.19%95.03%93.91%+587 bps
Growth
Asset Growth (YoY)-5.96%5.68%10.77%8.90%3.30%+926 bps
Loan Growth (YoY)0.58%-1.59%-6.81%-6.68%-8.56%-915 bps
Share Growth (YoY)6.38%10.25%12.21%10.15%3.36%-301 bps
Asset Quality
Delinquent Loans / Loans0.11%0.03%0.26%0.06%2.28%+217 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital17.44%17.17%16.63%16.83%17.17%-27 bps
Net Worth / Assets17.44%17.17%16.63%16.83%17.17%-27 bps
Liquidity & Funding
Loans / Shares84.52%80.41%74.38%74.62%74.76%-975 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Signia

Wahiawa, HI · Charter 7423 · Peer group: credit unions under $1B in assets in the Urban Honolulu, HI area (n=17)

NCUA · 1 branch

Q2 2026

$34.0MAssets
$21.0MLoans
$28.0MShares
$5.8MNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 71% of credit unions under $1B in assets in the Urban Honolulu, HI area (rank 5 of 17).
  • Widest gap: efficiency ratio trails 94% of credit unions under $1B in assets in the Urban Honolulu, HI area (rank 17 of 17).
  • Overall: at or above the peer median on 2 of 7 directional measures.

Return on Assets

0.24%

Rank 16 of 17

Net Interest Margin

3.12%

Rank 9 of 17

Efficiency Ratio

93.94%

Rank 17 of 17

Equity / Assets

17.17%

Rank 5 of 17

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.24%0.54%0.99%1.17%Beats 6%16 / 17
Return on Equity1.40%3.19%5.62%8.25%Beats 6%16 / 17
Net Interest Margin3.12%2.71%3.12%3.56%Beats 47%9 / 17
Efficiency Ratio93.94%64.13%74.39%81.42%Beats 6%17 / 17
Asset Quality
Nonperforming Loans / Loans2.28%0.30%0.66%1.43%Beats 18%15 / 17
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio17.17%11.08%13.24%17.17%Beats 71%5 / 17
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets17.17%11.08%13.24%17.17%Beats 71%5 / 17
Liquidity & Funding
Loans / Deposits74.76%38.54%55.56%70.42%76th pctl4 / 17
Loans / Assets61.65%29.18%48.61%61.05%76th pctl4 / 17
Brokered Deposits / Depositsn/aNot reported for this institution