PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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