| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.3% | +1.3% | +5.0 pts |
| Share growth (YoY) | +8.2% | +0.9% | +7.2 pts |
| Loan growth (YoY) | -0.9% | -2.6% | +1.7 pts |
| ROA | -4.36% | 0.65% | -5.0 pts |
| ROE | -31.1% | 4.4% | -35.5 pts |
ROA ranks in the 2nd percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $7.7M | $6.6M | $5.6M | $1.1M | $-168K | -4.36% | 5.87% | 9.24% | 2,116 |
| Q1 2026 | $8.0M | $6.8M | $5.5M | $1.2M | $-59K | -2.96% | 5.88% | 8.61% | 2,105 |
| Q4 2025 | $7.8M | $6.5M | $5.8M | $1.2M | $67K | 0.85% | 6.11% | 10.13% | 2,099 |
| Q3 2025 | $7.5M | $6.3M | $5.8M | $1.2M | $27K | 0.48% | 6.68% | 8.46% | 2,117 |
| Q2 2025 | $7.3M | $6.1M | $5.7M | $1.1M | $-56K | -1.54% | 6.20% | 9.85% | 2,061 |
| Q1 2025 | $7.7M | $6.5M | $5.9M | $1.2M | $16K | 0.85% | 6.03% | 8.18% | 2,043 |
| Q4 2024 | $7.3M | $6.0M | $5.8M | $1.2M | $65K | 0.90% | 6.44% | 2.98% | 2,026 |
| Q3 2024 | $7.1M | $5.9M | $5.8M | $1.1M | $-2K | -0.03% | 6.44% | 5.83% | 2,018 |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | -4.36% | 0.65% | 2nd | |
Return on equity Annualized net income ÷ equity or net worth | -31.1% | 4.4% | 1st | |
Net interest margin Interest income − interest expense, ÷ assets | 5.87% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $6.9M | $5.7M | $5.7M | $1.2M | $45K | 1.32% | 6.67% | 4.80% | 2,100 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $5.6M · securities $570K
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 93.0% | 80.6% | 77th |
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 38th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Honolulu, HI | 1 | $6.6M* | 0.01% | 38th |
Hawaii: 60th with 0.01% · Urban Honolulu metro: 38th, 0.01% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 1