Ko`olau
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
$103.9MAssets
$55.5MLoans
$93.3MShares
$9.8MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 94% of credit unions under $1B in assets in the Urban Honolulu, HI area (rank 2 of 17).
- Widest gap: equity / assets trails 100% of credit unions under $1B in assets in the Urban Honolulu, HI area (rank 17 of 17).
- Overall: at or above the peer median on 5 of 7 directional measures.
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 |