| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -5.2% | +1.3% | -6.5 pts |
| Share growth (YoY) | -6.9% | +0.9% | -7.9 pts |
| Loan growth (YoY) | -9.5% | -2.6% | -6.9 pts |
| ROA | 0.65% | 0.65% | +0.0 pts |
| ROE | 5.6% | 4.4% | +1.2 pts |
ROA ranks in the 50th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $84.5M | $73.2M | $51.6M | $9.8M | $276K | 0.65% | 4.05% | 0.99% | 6,213 |
| Q1 2026 | $85.6M | $74.6M | $53.8M | $9.7M | $131K | 0.61% | 3.97% | 0.67% | 6,207 |
| Q4 2025 | $87.9M | $77.0M | $56.0M | $9.5M | $510K | 0.58% | 3.57% | 0.78% | 6,214 |
| Q3 2025 | $88.7M | $78.0M | $56.3M | $9.4M | $361K | 0.54% | 3.47% | 0.62% | 6,213 |
| Q2 2025 | $89.1M | $78.7M | $57.0M | $9.3M | $215K | 0.48% | 3.32% | 0.76% | 6,153 |
| Q1 2025 | $90.0M | $79.7M | $57.3M | $9.2M | $79K | 0.35% | 3.18% | 0.11% | 6,129 |
| Q4 2024 | $88.5M | $78.3M | $58.1M | $9.1M | $234K | 0.26% | 2.82% | 0.61% | 6,088 |
| Q3 2024 | $88.7M | $78.4M | $60.0M | $9.1M | $169K | 0.25% | 2.72% | 0.37% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.65% | 0.65% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 5.6% | 4.4% | 59th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.05% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 6,089 |
| Q2 2024 | $92.2M | $79.1M | $61.0M | $9.1M | $103K | 0.22% | 2.53% | 0.26% | 6,047 |
Loan mix (Q2 2026): real estate $20.7M · commercial $0 · consumer $30.8M · securities $21.4M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 74.4% | 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.
2 branches in 1 county across 1 state (+1 vs 2025). Biggest market: Honolulu, HI, ranked 28th with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Honolulu, HI | 2 | $73.2M* | 0.13% | 28th |
Hawaii: 40th with 0.10% · Urban Honolulu metro: 28th, 0.13% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 2