Kaunakakai, HI · Charter 7471
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |