Kahului, HI · Charter 9924
NCUA · 2 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 1.02% | 1.05% | 1.53% | 1.65% | 1.82% | 1.43% | 1.53% | 1.93% | +28 bps | |
| Return on Equity | 8.63% | 8.89% | 12.95% | 13.87% | 14.63% | 11.66% | 12.36% | 15.25% | +137 bps | |
| Net Interest Margin | 3.05% | 3.12% | 3.55% | 3.52% | 3.62% | 3.35% | 3.61% | 3.68% | +16 bps | |
| Efficiency Ratio | 65.84% | 66.06% | 60.12% | 57.14% | 52.88% | 58.85% | 62.05% | 54.01% | -313 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.18% | 6.25% | 9.17% | 7.75% | 9.30% | 9.59% | 8.09% | 7.41% | -35 bps | |
| Loan Growth (YoY) | 12.04% | 9.28% | 8.96% | 5.63% | 4.46% | 4.79% | 5.65% | 8.74% | +312 bps | |
| Share Growth (YoY) | 0.44% | 2.43% | 9.65% | 7.79% | 13.20% | 12.17% | 7.14% | 6.53% | -126 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.29% | 0.25% | 0.17% | 0.34% | 1.38% | 0.42% | 0.26% | 1.18% | +84 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 | 11.81% | 11.85% | 11.82% | 11.92% | 12.46% | 12.25% | 12.36% | 12.65% | +74 bps | |
| Net Worth / Assets | 11.81% | 11.85% | 11.82% | 11.92% | 12.46% | 12.25% | 12.36% | 12.65% | +74 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 86.38% | 82.96% | 79.66% | 77.73% | 79.71% | 77.50% | 78.55% | 79.35% | +161 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |