Kaunakakai, HI · Charter 7471
NCUA · 2 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
82
Asset Quality
4
Profitability
67
Liquidity
30
Efficiency
47
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.
Kaunakakai, HI · Charter 7471
NCUA · 2 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 2.92% | 2.23% | 3.29% | 2.90% | 2.86% | 2.65% | 1.63% | 1.32% | -158 bps | |
| Return on Equity | 17.36% | 13.78% | 19.23% | 16.33% | 15.31% | 14.62% | 8.65% | 7.14% | -919 bps | |
| Net Interest Margin | 4.55% | 4.36% | 4.20% | 4.23% | 4.32% | 4.12% | 4.09% | 4.00% | -22 bps | |
| Efficiency Ratio | 62.46% | 66.40% | 61.39% | 64.21% | 63.71% | 64.66% | 73.91% | 79.27% | +1,507 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.53% | 1.48% | -1.42% | 0.37% | 0.80% | 2.62% | 1.98% | 5.10% | +473 bps | |
| Loan Growth (YoY) | -7.23% | -5.83% | -6.20% | -8.16% | -9.97% | -11.36% | -10.76% | -6.59% | +157 bps | |
| Share Growth (YoY) | -6.53% | 0.74% | -1.95% | -0.05% | 0.67% | 2.62% | 1.29% | 5.13% | +518 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.87% | 0.84% | 0.54% | 0.72% | 0.54% | 1.28% | 1.33% | 4.40% | +368 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | 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% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 16.83% | 16.16% | 17.10% | 17.76% | 18.66% | 18.14% | 18.79% | 18.54% | +78 bps | |
| Net Worth / Assets | 16.83% | 16.16% | 17.10% | 17.76% | 18.66% | 18.14% | 18.79% | 18.54% | +78 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 59.33% | 56.48% | 55.57% | 53.78% | 53.06% | 48.79% | 48.95% | 47.78% | -600 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Kaunakakai, HI · Charter 7471 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
Return on Assets
1.32%
Rank 334 of 1,683
Net Interest Margin
4.00%
Rank 670 of 1,683
Efficiency Ratio
79.26%
Rank 898 of 1,682
Equity / Assets
18.54%
Rank 302 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.32% | 0.35% | 0.74% | 1.18% | Beats 80% | 334 / 1,683 | ||
| Return on Equity | 7.13% | 2.67% | 5.89% | 8.74% | Beats 62% | 635 / 1,681 | ||
| Net Interest Margin | 4.00% | 3.31% | 3.82% | 4.32% | Beats 60% | 670 / 1,683 | ||
| Efficiency Ratio | 79.26% | 68.91% | 78.20% | 86.93% | Beats 47% | 898 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 4.40% | 0.26% | 0.65% | 1.29% | Beats 4% | 1,611 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.54% | 10.44% | 12.89% | 16.53% | Beats 82% | 302 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 18.54% | 10.44% | 12.89% | 16.53% | Beats 82% | 302 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 47.78% | 52.61% | 69.38% | 83.50% | 19th pctl | 1,357 / 1,683 | ||
| Loans / Assets | 38.78% | 44.71% | 59.18% | 70.72% | 17th pctl | 1,399 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||