Aloha Pacific Federal Credit Union
Total assets
$1.53B
▲ +9.3% YoY
Shares & deposits
$1.32B
▲ +7.9% YoY
Loans
$746.3M
▼ -0.6% YoY
Members
70,841
▲ +0.8% YoY
ROA (annualized)
0.53%
peers 0.71%
ROE (annualized)
5.54%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +9.3% | +5.1% | +4.2 pts |
| Share growth (YoY) | +7.9% | +4.9% | +3.1 pts |
| Loan growth (YoY) | -0.6% | +5.4% | -6.1 pts |
| ROA | 0.53% | 0.71% | -0.2 pts |
| ROE | 5.5% | 6.3% | -0.7 pts |
ROA ranks in the 34th percentile of its peer group · Q1 2026
Profile
- Established
- 1936
- Charter
- FCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- 3465 Waialae Ave. Ste 400, Honolulu, HI, 96816
- NCUA charter #
- 1845
- RSSD ID
- 184571
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $1.53B | $1.32B | $746.3M | $146.1M | $2.0M | 0.53% | 2.29% | 0.22% | 70,841 |
| Q4 2025 | $1.48B | $1.27B | $747.6M | $144.0M | $9.9M | 0.67% | 2.20% | 0.31% | 70,349 |
| Q3 2025 | $1.41B | $1.23B | $745.6M | $142.1M | $7.8M | 0.73% | 2.24% | 0.63% | 70,882 |
| Q2 2025 | $1.42B | $1.24B | $745.7M | $140.0M | $5.7M | 0.80% | 2.14% | 0.47% | 70,663 |
| Q1 2025 | $1.40B | $1.23B | $750.9M | $135.3M | $969K | 0.28% | 2.10% | 0.36% | 70,262 |
| Q4 2024 | $1.35B | $1.18B | $770.0M | $134.3M | $2.3M | 0.17% | 1.94% | 0.45% | 70,126 |
| Q3 2024 | $1.29B | $1.12B | $771.5M | $130.6M | $695K | 0.07% | 1.96% | 0.32% | 67,866 |
| Q2 2024 | $1.30B | $1.14B | $767.1M | $131.0M | $1.2M | 0.18% | 1.93% | 0.36% | 67,489 |
Loan mix (Q1 2026): real estate $475.1M · commercial $153.1M · consumer $107.9M · securities $588.5M
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.53% | 0.71% | 34th | |
Return on equity Annualized net income ÷ equity or net worth | 5.5% | 6.3% | 41th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.29% | 3.32% | 5th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 81.4% | 73.0% | 81th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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