| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -3.3% | +4.1% | -7.4 pts |
| Share growth (YoY) | -4.9% | +3.5% | -8.4 pts |
| Loan growth (YoY) | -3.9% | +2.9% | -6.7 pts |
| ROA | 1.25% | 0.74% | +0.5 pts |
| ROE | 8.2% | 6.5% | +1.8 pts |
ROA ranks in the 79th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $104.0M | $86.5M | $70.6M | $15.8M | $650K | 1.25% | 5.15% | 0.23% | 11,578 |
| Q1 2026 | $105.4M | $87.7M | $71.5M | $15.5M | $377K | 1.43% | 5.00% | 0.24% | 11,567 |
| Q4 2025 | $104.1M | $87.0M | $73.2M | $15.1M | $1.5M | 1.49% | 4.73% | 0.40% | 11,643 |
| Q3 2025 | $108.1M | $91.3M | $73.2M | $14.3M | $772K | 0.95% | 4.44% | 0.34% | 11,670 |
| Q2 2025 | $107.5M | $90.9M | $73.4M | $14.1M | $497K | 0.93% | 4.38% | 0.28% | 11,673 |
| Q1 2025 | $109.5M | $92.6M | $72.8M | $13.8M | $269K | 0.98% | 4.16% | 0.19% | 11,679 |
| Q4 2024 | $105.2M | $89.5M | $73.9M | $13.6M | $672K | 0.64% | 3.76% | 0.43% | 11,724 |
| Q3 2024 | $104.1M | $88.1M | $68.2M | $13.1M | $188K | 0.24% | 3.77% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.25% | 0.74% | 79th | |
Return on equity Annualized net income ÷ equity or net worth | 8.2% | 6.5% | 68th | |
Net interest margin Interest income − interest expense, ÷ assets | 5.15% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.38% |
| 11,844 |
| Q2 2024 | $105.8M | $89.7M | $67.9M | $13.0M | $107K | 0.20% | 3.66% | 0.41% | 11,843 |
Loan mix (Q2 2026): real estate $25.6M · commercial $361K · consumer $44.3M · securities $21.6M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.6% | 77.5% | 39th |
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 25th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Honolulu, HI | 1 | $86.5M* | 0.15% | 25th |
Hawaii: 35th with 0.11% · Urban Honolulu metro: 25th, 0.15% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1