Kailua, HI · Charter 8435
NCUA · 3 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 in the Urban Honolulu, HI area (n=17). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
0
Asset Quality
94
Profitability
69
Liquidity
86
Efficiency
59
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.
Kailua, HI · Charter 8435
NCUA · 3 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 | 0.03% | 0.22% | 0.60% | 0.57% | 0.77% | 0.79% | 1.01% | 1.09% | +52 bps | |
| Return on Equity | 0.30% | 2.41% | 6.49% | 6.25% | 8.21% | 8.43% | 11.11% | 11.55% | +530 bps | |
| Net Interest Margin | 2.85% | 2.87% | 3.20% | 3.20% | 3.25% | 3.30% | 3.38% | 3.43% | +23 bps | |
| Efficiency Ratio | 94.37% | 91.60% | 81.09% | 80.97% | 77.30% | 75.28% | 75.55% | 73.96% | -701 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.42% | 4.87% | 6.24% | 7.28% | 8.35% | 6.16% | 10.70% | 7.94% | +66 bps | |
| Loan Growth (YoY) | 18.22% | 2.51% | -1.00% | -0.80% | 2.86% | 5.03% | 3.46% | -2.99% | -220 bps | |
| Share Growth (YoY) | 7.98% | 9.94% | 5.96% | 6.45% | 7.38% | 5.09% | 10.28% | 7.28% | +83 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.06% | 0.15% | 0.12% | 0.17% | 0.49% | 0.14% | 0.07% | 0.05% | -12 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 | 9.38% | 9.23% | 9.19% | 9.18% | 9.33% | 9.39% | 9.08% | 9.45% | +27 bps | |
| Net Worth / Assets | 9.38% | 9.23% | 9.19% | 9.18% | 9.33% | 9.39% | 9.08% | 9.45% | +27 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 69.96% | 66.91% | 65.94% | 65.81% | 67.01% | 66.87% | 61.86% | 59.51% | -630 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Kailua, HI · Charter 8435 · Peer group: credit unions under $1B in assets in the Urban Honolulu, HI area (n=17)
NCUA · 3 branches
Q2 2026
Return on Assets
1.09%
Rank 7 of 17
Net Interest Margin
3.43%
Rank 6 of 17
Efficiency Ratio
73.97%
Rank 8 of 17
Equity / Assets
9.45%
Rank 17 of 17
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.09% | 0.54% | 0.99% | 1.17% | Beats 59% | 7 / 17 | ||
| Return on Equity | 11.55% | 3.19% | 5.62% | 8.25% | Beats 82% | 3 / 17 | ||
| Net Interest Margin | 3.43% | 2.71% | 3.12% | 3.56% | Beats 65% | 6 / 17 | ||
| Efficiency Ratio | 73.97% | 64.13% | 74.39% | 81.42% | Beats 59% | 8 / 17 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.05% | 0.30% | 0.66% | 1.43% | Beats 94% | 2 / 17 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 9.45% | 11.08% | 13.24% | 17.17% | Beats 0% | 17 / 17 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 9.45% | 11.08% | 13.24% | 17.17% | Beats 0% | 17 / 17 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 59.51% | 38.54% | 55.56% | 70.42% | 53rd pctl | 8 / 17 | ||
| Loans / Assets | 53.44% | 29.18% | 48.61% | 61.05% | 53rd pctl | 8 / 17 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||