| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +1.3% | +1.0 pts |
| Share growth (YoY) | -0.1% | +0.9% | -1.0 pts |
| Loan growth (YoY) | +0.3% | -2.6% | +2.9 pts |
| ROA | 0.80% | 0.65% | +0.2 pts |
| ROE | 6.1% | 4.4% | +1.7 pts |
ROA ranks in the 58th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $78.9M | $68.2M | $23.0M | $10.4M | $317K | 0.80% | 2.79% | 0.18% | 3,351 |
| Q1 2026 | $76.7M | $67.1M | $22.3M | $10.3M | $146K | 0.76% | 2.76% | 0.20% | 3,352 |
| Q4 2025 | $75.2M | $65.9M | $22.8M | $10.2M | $376K | 0.50% | 2.46% | 0.14% | 3,345 |
| Q3 2025 | $76.3M | $67.1M | $23.0M | $10.0M | $241K | 0.42% | 2.35% | 0.09% | 3,447 |
| Q2 2025 | $77.1M | $68.2M | $23.0M | $9.9M | $144K | 0.37% | 2.25% | 0.01% | 3,479 |
| Q1 2025 | $76.7M | $68.1M | $22.8M | $9.9M | $61K | 0.32% | 2.21% | 0.01% | 3,482 |
| Q4 2024 | $75.9M | $67.7M | $23.0M | $9.8M | $405K | 0.53% | 2.32% | 0.02% | 3,487 |
| Q3 2024 | $73.5M | $65.0M | $22.4M | $9.7M | $271K | 0.49% | 2.38% | 0.01% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.80% | 0.65% | 58th | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 4.4% | 62nd | |
Net interest margin Interest income − interest expense, ÷ assets | 2.79% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 3,544 |
| Q2 2024 | $72.5M | $64.8M | $22.7M | $9.6M | $196K | 0.54% | 2.42% | 0.03% | 3,555 |
Loan mix (Q2 2026): real estate $20.2M · commercial $0 · consumer $2.5M · securities $52.2M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.5% | 80.6% | 31st |
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 30th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Honolulu, HI | 1 | $68.2M* | 0.12% | 30th |
Hawaii: 42nd with 0.09% · Urban Honolulu metro: 30th, 0.12% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1