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 | |