| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +5.1% | +1.3% | +3.8 pts |
| Share growth (YoY) | +5.1% | +0.9% | +4.2 pts |
| Loan growth (YoY) | -6.6% | -2.6% | -4.0 pts |
| ROA | 1.32% | 0.65% | +0.7 pts |
| ROE | 7.1% | 4.4% | +2.7 pts |
ROA ranks in the 80th percentile of its peer group · Q2 2026
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $38.3M | $31.1M | $14.8M | $7.1M | $253K | 1.32% | 4.00% | 4.40% | 4,282 |
| Q1 2026 | $37.2M | $30.1M | $14.8M | $7.0M | $151K | 1.63% | 4.09% | 1.33% | 4,281 |
| Q4 2025 | $37.7M | $30.7M | $15.0M | $6.8M | $1.0M | 2.65% | 4.12% | 1.28% | 4,283 |
| Q3 2025 | $36.0M | $29.0M | $15.4M | $6.7M | $771K | 2.86% | 4.32% | 0.54% | 4,331 |
| Q2 2025 | $36.4M | $29.6M | $15.9M | $6.5M | $528K | 2.90% | 4.23% | 0.72% | 4,367 |
| Q1 2025 | $36.5M | $29.7M | $16.5M | $6.2M | $300K | 3.29% | 4.20% | 0.54% | 4,386 |
| Q4 2024 | $36.8M | $29.9M | $16.9M | $5.9M | $818K | 2.23% | 4.36% | 0.84% | 4,302 |
| Q3 2024 | $35.7M | $28.8M | $17.1M | $6.0M | $782K | 2.92% | 4.55% | 0.87% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.32% | 0.65% | 80th | |
Return on equity Annualized net income ÷ equity or net worth | 7.1% | 4.4% | 71st | |
Net interest margin Interest income − interest expense, ÷ assets | 4.00% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| 4,298 |
| Q2 2024 | $36.3M | $29.6M | $17.3M | $5.7M | $519K | 2.86% | 4.51% | 0.59% | 4,326 |
Loan mix (Q2 2026): real estate $7.9M · commercial $0 · consumer $6.1M · securities $7.6M
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 (+0 vs 2025). Biggest market: Maui, HI, ranked 15th with 0.5% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Maui, HI | 2 | $31.1M* | 0.47% | 15th |
Hawaii: 51st with 0.04% · Kahului-Wailuku metro: 15th, 0.47% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 2 · 2023 2 · 2024 2 · 2025 2 · 2026 2