Lihue, HI · Charter 9381
NCUA · 7 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
49
Asset Quality
33
Profitability
73
Liquidity
62
Efficiency
89
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.
Lihue, HI · Charter 9381
NCUA · 7 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.44% | 1.54% | 1.38% | 1.54% | 1.57% | +13 bps | |
| Return on Equity | 11.90% | 12.41% | 11.14% | 12.24% | 12.26% | +35 bps | |
| Net Interest Margin | 3.30% | 3.39% | 3.27% | 3.60% | 3.61% | +31 bps | |
| Efficiency Ratio | 59.43% | 58.94% | 60.65% | 60.19% | 59.44% | +1 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 12.30% | 10.36% | 9.67% | 7.06% | 6.05% | -624 bps | |
| Loan Growth (YoY) | 7.58% | 6.58% | 6.17% | 6.46% | 4.12% | -346 bps | |
| Share Growth (YoY) | 11.88% | 9.62% | 8.86% | 6.18% | 5.64% | -625 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.41% | 1.49% | 1.27% | 1.01% | 0.99% | -42 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.07% | 12.41% | 12.42% | 12.56% | 12.81% | +74 bps | |
| Net Worth / Assets | 12.07% | 12.41% | 12.42% | 12.56% | 12.81% | +74 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 58.43% | 59.09% | 58.51% | 58.12% | 57.59% | -84 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Lihue, HI · Charter 9381 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 7 branches
Q2 2026
Return on Assets
1.57%
Rank 214 of 1,683
Net Interest Margin
3.61%
Rank 1,029 of 1,683
Efficiency Ratio
59.44%
Rank 181 of 1,682
Equity / Assets
12.81%
Rank 857 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.57% | 0.35% | 0.74% | 1.18% | Beats 87% | 214 / 1,683 | |
| Return on Equity | 12.26% | 2.67% | 5.89% | 8.74% | Beats 93% | 126 / 1,681 | |
| Net Interest Margin | 3.61% | 3.31% | 3.82% | 4.32% | Beats 39% | 1,029 / 1,683 | |
| Efficiency Ratio | 59.44% | 68.91% | 78.20% | 86.93% | Beats 89% | 181 / 1,682 | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.99% | 0.26% | 0.65% | 1.29% | Beats 33% | 1,122 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution | |||||
| Capital | |||||||
| Tier 1 Capital Ratio | 12.81% | 10.44% | 12.89% | 16.53% | Beats 49% | 857 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | |||||
| Equity / Assets | 12.81% | 10.44% | 12.89% | 16.53% | Beats 49% | 857 / 1,683 | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 57.59% | 52.61% | 69.38% | 83.50% | 31st pctl | 1,154 / 1,683 | |
| Loans / Assets | 51.86% | 44.71% | 59.18% | 70.72% | 37th pctl | 1,059 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution | |||||