| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -1.9% | +4.1% | -6.1 pts |
| Share growth (YoY) | -3.5% | +3.5% | -7.1 pts |
| Loan growth (YoY) | -2.8% | +2.9% | -5.6 pts |
| ROA | 0.63% | 0.74% | -0.1 pts |
| ROE | 7.2% | 6.5% | +0.7 pts |
ROA ranks in the 40th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $192.8M | $140.4M | $152.9M | $16.9M | $605K | 0.63% | 3.88% | 2.71% | 7,793 |
| Q1 2026 | $197.7M | $146.0M | $155.6M | $16.5M | $227K | 0.46% | 3.73% | 3.12% | 7,756 |
| Q4 2025 | $196.3M | $145.1M | $158.2M | $16.3M | $381K | 0.19% | 3.64% | 0.88% | 7,769 |
| Q3 2025 | $195.8M | $142.5M | $158.7M | $16.1M | $187K | 0.13% | 3.59% | 0.98% | 7,832 |
| Q2 2025 | $196.7M | $145.6M | $157.3M | $15.9M | $4K | 0.00% | 3.44% | 0.70% | 7,789 |
| Q1 2025 | $199.2M | $143.2M | $155.7M | $16.0M | $59K | 0.12% | 3.28% | 0.64% | 7,716 |
| Q4 2024 | $198.3M | $140.0M | $159.1M | $15.9M | $-2.5M | -1.26% | 2.75% | 0.44% | 7,790 |
| Q3 2024 | $176.9M | $138.8M | $131.8M | $17.0M | $-1.4M | -1.09% | 3.03% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.63% | 0.74% | 40th | |
Return on equity Annualized net income ÷ equity or net worth | 7.2% | 6.5% | 58th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.88% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 0.37% |
| 7,640 |
| Q2 2024 | $173.9M | $135.3M | $131.1M | $17.3M | $-1.1M | -1.27% | 3.03% | 0.37% | 7,574 |
Loan mix (Q2 2026): real estate $85.7M · commercial $16.3M · consumer $42.6M · securities $14.7M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 83.6% | 77.5% | 71st |
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.
3 branches in 1 county across 1 state (+0 vs 2025). Biggest market: Kauai, HI, ranked 6th with 4.4% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Kauai, HI | 3 | $140.4M* | 4.37% | 6th |
Hawaii: 31st with 0.19% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 3 · 2024 3 · 2025 3 · 2026 3