PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 (quarter, annualized)

0.33%+16 bps YoY

Net Interest Margin (quarter, annualized)

3.10%+30 bps YoY

Efficiency Ratio (quarter, annualized)

81.70%-937 bps YoY

Net Worth / Assets

8.93%+4 bps YoY

Discrete quarter, annualized.

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