| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.8% | +4.1% | -1.3 pts |
| Share growth (YoY) | +1.4% | +3.5% | -2.1 pts |
| Loan growth (YoY) | +9.1% | +2.9% | +6.3 pts |
| ROA | 0.80% | 0.74% | +0.1 pts |
| ROE | 7.9% | 6.5% | +1.5 pts |
ROA ranks in the 54th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $307.6M | $283.3M | $178.3M | $30.9M | $1.2M | 0.80% | 2.63% | 1.43% | 16,211 |
| Q1 2026 | $311.3M | $287.4M | $175.0M | $30.2M | $491K | 0.63% | 2.47% | 1.22% | 16,294 |
| Q4 2025 | $299.8M | $276.4M | $178.5M | $29.7M | $1.8M | 0.60% | 2.32% | 1.29% | 16,339 |
| Q3 2025 | $296.1M | $273.5M | $170.8M | $29.6M | $1.7M | 0.76% | 2.32% | 2.11% | 16,213 |
| Q2 2025 | $299.3M | $279.4M | $163.4M | $28.6M | $686K | 0.46% | 2.26% | 0.39% | 16,226 |
| Q1 2025 | $291.8M | $271.8M | $166.9M | $28.3M | $378K | 0.52% | 2.35% | 0.11% | 16,236 |
| Q4 2024 | $293.6M | $267.9M | $169.2M | $27.9M | $268K | 0.09% | 2.07% | 0.47% | 16,329 |
| Q3 2024 | $300.3M | $269.2M | $171.5M | $28.1M | $436K | 0.19% | 2.00% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.80% | 0.74% | 54th | |
Return on equity Annualized net income ÷ equity or net worth | 7.9% | 6.5% | 65th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.63% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.38% |
| 16,429 |
| Q2 2024 | $302.8M | $263.3M | $174.1M | $28.0M | $397K | 0.26% | 2.02% | 0.34% | 16,524 |
Loan mix (Q2 2026): real estate $142.1M · commercial $9.3M · consumer $23.4M · securities $78.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 71.1% | 77.5% | 29th |
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 (+1 vs 2025). Biggest market: Honolulu, HI, ranked 21st with 0.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Honolulu, HI | 3 | $283.3M* | 0.48% | 21st |
Hawaii: 26th with 0.37% · Urban Honolulu metro: 21st, 0.48% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 3