PackageTrendsPeer
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Wailuku

Kahului, HI · Charter 9924

NCUA · 2 branches

Q2 2026

$135.4MAssets
$94.0MLoans
$118.4MShares
$17.1MNet 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 1.93%, up 28 bps year over year; NIM at 3.68%.
  • Asset quality: problem loans at 1.18% of loans (+84 bps YoY).
  • Capital: net worth / assets of 12.65%, up 74 bps from a year ago.
  • Funding: loans stand at 79.35% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.93%+28 bps YoY

Net Interest Margin (quarter, annualized)

3.68%+16 bps YoY

Efficiency Ratio (quarter, annualized)

54.01%-313 bps YoY

Net Worth / Assets

12.65%+74 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.65%1.82%1.43%1.53%1.93%+28 bps
Return on Equity13.87%14.63%11.66%12.36%15.25%+137 bps
Net Interest Margin3.52%3.62%3.35%3.61%3.68%+16 bps
Efficiency Ratio57.14%52.88%58.85%62.05%54.01%-313 bps
Growth
Asset Growth (YoY)7.75%9.30%9.59%8.09%7.41%-35 bps
Loan Growth (YoY)5.63%4.46%4.79%5.65%8.74%+312 bps
Share Growth (YoY)7.79%13.20%12.17%7.14%6.53%-126 bps
Asset Quality
Delinquent Loans / Loans0.34%1.38%0.42%0.26%1.18%+84 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 Capital11.92%12.46%12.25%12.36%12.65%+74 bps
Net Worth / Assets11.92%12.46%12.25%12.36%12.65%+74 bps
Liquidity & Funding
Loans / Shares77.73%79.71%77.50%78.55%79.35%+161 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps