| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +20.2% | +1.3% | +18.9 pts |
| Share growth (YoY) | +22.7% | +0.9% | +21.8 pts |
| Loan growth (YoY) | -2.6% | -2.6% | +0.0 pts |
| ROA | 1.43% | 0.65% | +0.8 pts |
| ROE | 9.9% | 4.4% | +5.5 pts |
ROA ranks in the 83rd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $23.4M | $19.9M | $9.5M | $3.4M | $167K | 1.43% | 4.11% | 0.38% | 1,796 |
| Q1 2026 | $21.9M | $18.4M | $9.4M | $3.3M | $113K | 2.06% | 4.33% | 0.89% | 1,784 |
| Q4 2025 | $21.3M | $17.9M | $9.6M | $3.2M | $267K | 1.25% | 4.52% | 2.80% | 1,783 |
| Q3 2025 | $20.9M | $17.5M | $9.7M | $3.2M | $221K | 1.41% | 4.55% | 2.97% | 1,773 |
| Q2 2025 | $19.5M | $16.2M | $9.8M | $3.1M | $181K | 1.86% | 4.73% | 3.22% | 1,769 |
| Q1 2025 | $19.6M | $16.0M | $9.7M | $3.1M | $148K | 3.03% | 4.64% | 1.40% | 1,747 |
| Q4 2024 | $18.7M | $15.6M | $9.5M | $3.0M | $248K | 1.32% | 4.73% | 3.05% | 1,740 |
| Q3 2024 | $19.2M | $16.2M | $9.3M | $2.9M | $171K | 1.19% | 4.51% | 3.21% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.43% | 0.65% | 83rd | |
Return on equity Annualized net income ÷ equity or net worth | 9.9% | 4.4% | 85th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.11% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,734 |
| Q2 2024 | $18.5M | $15.7M | $9.3M | $2.8M | $100K | 1.09% | 4.53% | 0.94% | 1,658 |
Loan mix (Q2 2026): real estate $1.3M · commercial $0 · consumer $8.1M · securities $11.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.3% | 80.6% | 35th |
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: Hawaii, HI, ranked 18th with 0.3% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Hawaii, HI | 1 | $19.9M* | 0.27% | 18th |
Hawaii: 55th with 0.03% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1