| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +4.9% | +4.1% | +0.8 pts |
| Share growth (YoY) | +4.8% | +3.5% | +1.3 pts |
| Loan growth (YoY) | -2.5% | +2.9% | -5.3 pts |
| ROA | 1.00% | 0.74% | +0.3 pts |
| ROE | 7.1% | 6.5% | +0.6 pts |
ROA ranks in the 66th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $146.2M | $124.7M | $35.7M | $20.7M | $729K | 1.00% | 2.64% | 1.15% | 7,338 |
| Q1 2026 | $145.0M | $123.9M | $35.8M | $20.2M | $278K | 0.77% | 2.57% | 1.19% | 7,308 |
| Q4 2025 | $140.3M | $119.6M | $36.8M | $19.9M | $477K | 0.34% | 2.36% | 1.53% | 7,285 |
| Q3 2025 | $140.0M | $119.4M | $36.1M | $19.9M | $396K | 0.38% | 2.32% | 1.23% | 7,302 |
| Q2 2025 | $139.4M | $119.0M | $36.6M | $19.7M | $267K | 0.38% | 2.26% | 1.57% | 7,294 |
| Q1 2025 | $139.1M | $119.0M | $37.2M | $19.6M | $100K | 0.29% | 2.15% | 1.52% | 7,278 |
| Q4 2024 | $134.1M | $114.3M | $37.8M | $19.5M | $400K | 0.30% | 2.07% | 1.57% | 7,222 |
| Q3 2024 | $131.4M | $111.6M | $38.8M | $19.4M | $342K | 0.35% | 2.07% |
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.00% | 0.74% | 66th | |
Return on equity Annualized net income ÷ equity or net worth | 7.1% | 6.5% | 57th | |
Net interest margin Interest income − interest expense, ÷ assets | 2.64% | 3.67% |
Peer lists, growth filters, CSV export, CRM push.
| 1.24% |
| 7,218 |
| Q2 2024 | $131.9M | $112.3M | $39.1M | $19.3M | $224K | 0.34% | 2.04% | 1.26% | 7,204 |
Loan mix (Q2 2026): real estate $15.2M · commercial $0 · consumer $19.7M · securities $87.1M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 72.6% | 77.5% | 34th |
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: Maui, HI, ranked 10th with 1.9% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Maui, HI | 3 | $124.7M* | 1.89% | 10th |
Hawaii: 34th with 0.16% · Kahului-Wailuku metro: 10th, 1.89% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3