| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +7.8% | +1.3% | +6.5 pts |
| Share growth (YoY) | +8.1% | +0.9% | +7.2 pts |
| Loan growth (YoY) | -5.5% | -2.6% | -2.9 pts |
| ROA | 0.99% | 0.65% | +0.3 pts |
| ROE | 5.4% | 4.4% | +1.0 pts |
ROA ranks in the 67th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $37.1M | $30.1M | $15.6M | $6.8M | $183K | 0.99% | 3.19% | 1.02% | 1,828 |
| Q1 2026 | $36.0M | $29.1M | $16.2M | $6.7M | $84K | 0.93% | 3.17% | 1.19% | 1,838 |
| Q4 2025 | $35.2M | $28.3M | $16.6M | $6.6M | $317K | 0.90% | 3.17% | 1.17% | 1,842 |
| Q3 2025 | $35.0M | $28.2M | $16.6M | $6.6M | $249K | 0.95% | 3.13% | 0.53% | 1,837 |
| Q2 2025 | $34.5M | $27.9M | $16.5M | $6.5M | $167K | 0.97% | 3.11% | 0.79% | 1,843 |
| Q1 2025 | $35.0M | $28.5M | $16.5M | $6.4M | $109K | 1.24% | 2.97% | 0.71% | 1,852 |
| Q4 2024 | $33.8M | $27.4M | $16.8M | $6.3M | $202K | 0.60% | 3.11% | 0.52% | 1,866 |
| Q3 2024 | $33.4M | $27.0M | $16.6M | $6.3M | $159K | 0.63% | 3.19% | 0.54% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.99% | 0.65% | 67th | |
Return on equity Annualized net income ÷ equity or net worth | 5.4% | 4.4% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.19% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 1,892 |
| Q2 2024 | $33.9M | $27.6M | $16.2M | $6.2M | $68K | 0.40% | 2.94% | 0.37% | 1,902 |
Loan mix (Q2 2026): real estate $8.5M · commercial $0 · consumer $7.0M · securities $18.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 79.3% | 80.6% | 47th |
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.
2 branches in 1 county across 1 state (+1 vs 2025). Biggest market: Honolulu, HI, ranked 34th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Honolulu, HI | 2 | $30.1M* | 0.05% | 34th |
Hawaii: 52nd with 0.04% · Urban Honolulu metro: 34th, 0.05% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2