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Molokai Community

Kaunakakai, HI · Charter 7471

NCUA · 2 branches

Q2 2026

$38.3MAssets
$14.8MLoans
$31.1MShares
$7.1MNet 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 1.32%, down 158 bps year over year; NIM at 4.00%.
  • Asset quality: problem loans at 4.40% of loans (+368 bps YoY).
  • Capital: net worth / assets of 18.54%, up 78 bps from a year ago.
  • Funding: loans stand at 47.78% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.32%-158 bps YoY

Net Interest Margin (quarter, annualized)

4.00%-22 bps YoY

Efficiency Ratio (quarter, annualized)

79.27%+1,507 bps YoY

Net Worth / Assets

18.54%+78 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets2.90%2.86%2.65%1.63%1.32%-158 bps
Return on Equity16.33%15.31%14.62%8.65%7.14%-919 bps
Net Interest Margin4.23%4.32%4.12%4.09%4.00%-22 bps
Efficiency Ratio64.21%63.71%64.66%73.91%79.27%+1,507 bps
Growth
Asset Growth (YoY)0.37%0.80%2.62%1.98%5.10%+473 bps
Loan Growth (YoY)-8.16%-9.97%-11.36%-10.76%-6.59%+157 bps
Share Growth (YoY)-0.05%0.67%2.62%1.29%5.13%+518 bps
Asset Quality
Delinquent Loans / Loans0.72%0.54%1.28%1.33%4.40%+368 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 Capital17.76%18.66%18.14%18.79%18.54%+78 bps
Net Worth / Assets17.76%18.66%18.14%18.79%18.54%+78 bps
Liquidity & Funding
Loans / Shares53.78%53.06%48.79%48.95%47.78%-600 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps