Kailua, HI · Charter 8435
NCUA · 3 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 | 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 | |