| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +3.9% | +2.9 pts |
| Share growth (YoY) | +7.4% | +3.3% | +4.1 pts |
| Loan growth (YoY) | -7.2% | +2.9% | -10.2 pts |
| ROA | 0.52% | 0.69% | -0.2 pts |
| ROE | 5.7% | 5.9% | -0.2 pts |
ROA ranks in the 38th percentile of its peer group · Q1 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $194.1M | $175.3M | $41.1M | $17.7M | $253K | 0.52% | 2.74% | 0.36% | 9,583 |
| Q4 2025 | $188.3M | $169.7M | $41.9M | $17.5M | $680K | 0.36% | 2.67% | 0.54% | 9,581 |
| Q3 2025 | $188.1M | $169.6M | $41.8M | $17.1M | $-252K | -0.18% | 2.63% | 2.05% | 9,642 |
| Q2 2025 | $182.7M | $165.0M | $41.8M | $16.9M | $82K | 0.09% | 2.67% | 1.91% | 9,673 |
| Q1 2025 | $181.6M | $163.2M | $44.3M | $17.1M | $270K | 0.59% | 2.62% | 1.83% | 11,744 |
| Q4 2024 | $171.7M | $153.9M | $47.5M | $16.9M | $1.1M | 0.62% | 2.82% | 1.89% | 9,759 |
| Q3 2024 | $170.0M | $152.2M | $48.1M | $16.6M | $843K | 0.66% | 2.86% | 1.77% | 9,808 |
| Q2 2024 | $167.4M | $149.5M | $50.3M | $16.4M | $576K | 0.69% | 2.89% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.52% | 0.69% | 38th | |
Return on equity Annualized net income ÷ equity or net worth | 5.7% | 5.9% | 48th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.74% | 3.62% |
Peer lists, growth filters, CSV export, CRM push.
| 1.82% |
| 9,876 |
Loan mix (Q1 2026): real estate $20.1M · commercial $73K · consumer $20.0M · securities $129.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 82.2% | 78.7% | 63rd |
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% |
| 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% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% |
| 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% |
| 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% |
| 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% |
The full ratio pack is part of CharterBench Pro.
3 branches in 1 county across 1 state (+0 vs 2024). Biggest market: Hawaii, HI, ranked 10th with 2.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hawaii, HI | 3 | $165.0M* | 2.41% | 10th |
Hawaii: 26th with 0.22% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3