| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -0.2% | +1.3% | -1.4 pts |
| Share growth (YoY) | -3.0% | +0.9% | -4.0 pts |
| Loan growth (YoY) | -18.3% | -2.6% | -15.7 pts |
| ROA | 1.06% | 0.65% | +0.4 pts |
| ROE | 3.1% | 4.4% | -1.3 pts |
ROA ranks in the 70th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $2.6M | $1.7M | $644K | $879K | $14K | 1.06% | 2.27% | 0.00% | 188 |
| Q1 2026 | $2.5M | $1.7M | $723K | $871K | $6K | 0.98% | 2.34% | 0.00% | 187 |
| Q4 2025 | $2.6M | $1.7M | $664K | $865K | $58K | 2.26% | 2.68% | 0.00% | 188 |
| Q3 2025 | $2.6M | $1.7M | $732K | $847K | $40K | 2.05% | 2.70% | 0.00% | 194 |
| Q2 2025 | $2.6M | $1.7M | $788K | $831K | $23K | 1.81% | 2.87% | 0.00% | 198 |
| Q1 2025 | $2.5M | $1.7M | $808K | $824K | $16K | 2.60% | 2.93% | 0.00% | 198 |
| Q4 2024 | $2.7M | $1.8M | $838K | $807K | $18K | 0.67% | 2.67% | 0.00% | 206 |
| Q3 2024 | $2.6M | $1.8M | $779K | $797K | $7K | 0.36% | 2.65% | 0.00% | 209 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.06% | 0.65% | 70th | |
Return on equity Annualized net income ÷ equity or net worth | 3.1% | 4.4% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.27% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 |
| $2.6M |
| $1.8M |
| $511K |
| $801K |
| $12K |
| 0.89% |
| 2.63% |
| 0.00% |
| 206 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $643K · securities $1.5M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 59.1% | 80.6% | 11th |
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.
1 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Honolulu, HI, ranked 41st with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Honolulu, HI | 1 | $1.7M* | 0.00% | 41st |
Hawaii: 63rd with 0.00% · Urban Honolulu metro: 41st, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1