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Hotel and Travel Industry

Honolulu, HI · Charter 9115

NCUA · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in the Birmingham, AL area3

Basis

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.

Peer group

Credit unions under $1B in assets in the Birmingham, AL area (n=29). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

7

Q2 2024Q2 2026peer median (50)

Asset Quality

66

Q2 2024Q2 2026peer median (50)

Profitability

27

Q2 2024Q2 2026peer median (50)

Liquidity

51

Q2 2024Q2 2026peer median

Efficiency

48

Q2 2024Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Hotel and Travel Industry

Honolulu, HI · Charter 9115

NCUA · 2 branches

Q2 2026

$40.0MAssets
$15.9MLoans
$37.2MShares
$3.6MNet 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 0.33%, up 16 bps year over year; NIM at 3.10%.
  • Asset quality: problem loans at 0.81% of loans (-110 bps YoY).
  • Capital: net worth / assets of 8.93%, up 4 bps from a year ago.
  • Funding: loans stand at 42.75% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.33%+16 bps YoY

Net Interest Margin (YTD, annualized)

3.10%+30 bps YoY

Efficiency Ratio (YTD, annualized)

81.70%-937 bps YoY

Net Worth / Assets

8.93%+4 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.18%0.33%0.31%0.19%0.33%+16 bps
Return on Equity1.98%3.68%3.47%2.09%3.72%+175 bps
Net Interest Margin2.81%2.92%2.97%3.06%3.10%+30 bps
Efficiency Ratio91.07%88.22%88.35%84.00%81.70%-937 bps
Growth
Asset Growth (YoY)-0.09%0.02%-1.00%0.78%2.10%+219 bps
Loan Growth (YoY)8.74%9.22%6.54%-1.04%-3.48%-1,222 bps
Share Growth (YoY)2.80%2.12%0.72%2.24%1.51%-129 bps
Asset Quality
Delinquent Loans / Loans1.91%1.56%1.22%0.75%0.81%-110 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 Capital8.89%8.96%9.04%8.89%8.93%+4 bps
Net Worth / Assets8.89%8.96%9.04%8.89%8.93%+4 bps
Liquidity & Funding
Loans / Shares44.96%46.67%45.39%43.48%42.75%-221 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Hotel and Travel Industry

Honolulu, HI · Charter 9115 · Peer group: credit unions under $1B in assets in the Birmingham, AL area (n=29)

NCUA · 2 branches

Q2 2026

$40.0MAssets
$15.9MLoans
$37.2MShares
$3.6MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 66% of credit unions under $1B in assets in the Birmingham, AL area (rank 11 of 29).
  • Widest gap: equity / assets trails 93% of credit unions under $1B in assets in the Birmingham, AL area (rank 27 of 29).
  • Overall: at or above the peer median on 1 of 7 directional measures.

Return on Assets

0.34%

Rank 20 of 29

Net Interest Margin

3.10%

Rank 26 of 29

Efficiency Ratio

81.68%

Rank 16 of 29

Equity / Assets

8.93%

Rank 27 of 29

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.34%0.26%0.65%1.06%Beats 31%20 / 29
Return on Equity3.75%2.33%4.15%7.02%Beats 41%17 / 29
Net Interest Margin3.10%3.29%3.80%4.67%Beats 10%26 / 29
Efficiency Ratio81.68%67.71%81.00%89.29%Beats 48%16 / 29
Asset Quality
Nonperforming Loans / Loans0.81%0.40%1.03%1.72%Beats 66%11 / 29
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio8.93%10.13%13.97%19.12%Beats 7%27 / 29
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets8.93%10.13%13.97%19.12%Beats 7%27 / 29
Liquidity & Funding
Loans / Deposits42.75%40.72%55.53%68.24%28th pctl21 / 29
Loans / Assets39.75%35.46%45.52%58.70%38th pctl18 / 29
Brokered Deposits / Depositsn/aNot reported for this institution