Honolulu, HI · Charter 9115
NCUA · 2 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 | 0.18% | 0.14% | 0.03% | 0.18% | 0.33% | 0.31% | 0.19% | 0.33% | +16 bps | |
| Return on Equity | 2.01% | 1.63% | 0.38% | 1.98% | 3.68% | 3.47% | 2.09% | 3.72% | +175 bps | |
| Net Interest Margin | 2.57% | 2.55% | 2.49% | 2.81% | 2.92% | 2.97% | 3.06% | 3.10% | +30 bps | |
| Efficiency Ratio | 89.11% | 90.05% | 94.09% | 91.07% | 88.22% | 88.35% | 84.00% | 81.70% | -937 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.92% | 2.88% | 5.58% | -0.09% | 0.02% | -1.00% | 0.78% | 2.10% | +219 bps | |
| Loan Growth (YoY) | 3.39% | 2.30% | 8.74% | 8.74% | 9.22% | 6.54% | -1.04% | -3.48% | -1,222 bps | |
| Share Growth (YoY) | -3.95% | -1.70% | 1.30% | 2.80% | 2.12% | 0.72% | 2.24% | 1.51% | -129 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.98% | 1.19% | 1.00% | 1.91% | 1.56% | 1.22% | 0.75% | 0.81% | -110 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 | 8.76% | 8.69% | 8.66% | 8.89% | 8.96% | 9.04% | 8.89% | 8.93% | +4 bps | |
| Net Worth / Assets | 8.76% | 8.69% | 8.66% | 8.89% | 8.96% | 9.04% | 8.89% | 8.93% | +4 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 43.64% | 42.91% | 44.93% | 44.96% | 46.67% | 45.39% | 43.48% | 42.75% | -221 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |