Molokai Community
Kaunakakai, HI · Charter 7471 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$38.3MAssets
$14.8MLoans
$31.1MShares
$7.1MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 82% of credit unions under $1B in assets (rank 302 of 1683).
- Widest gap: nonperforming loans / loans trails 96% of credit unions under $1B in assets (rank 1611 of 1682).
- Overall: at or above the peer median on 5 of 7 directional measures.
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 |