| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | -7.3% | +1.3% | -8.6 pts |
| Share growth (YoY) | -10.8% | +0.9% | -11.8 pts |
| Loan growth (YoY) | -32.0% | -2.6% | -29.4 pts |
| ROA | 1.32% | 0.65% | +0.7 pts |
| ROE | 6.6% | 4.4% | +2.2 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 | $2.3M | $1.9M | $327K | $469K | $15K | 1.32% | 3.14% | 6.55% | 877 |
| Q1 2026 | $2.4M | $2.0M | $380K | $457K | $4K | 0.69% | 2.96% | 3.61% | 876 |
| Q4 2025 | $2.5M | $2.1M | $420K | $454K | $38K | 1.48% | 3.28% | 5.32% | 875 |
| Q3 2025 | $2.5M | $2.1M | $460K | $442K | $25K | 1.32% | 3.26% | 2.98% | 875 |
| Q2 2025 | $2.5M | $2.1M | $481K | $427K | $10K | 0.82% | 3.09% | 4.20% | 873 |
| Q1 2025 | $2.6M | $2.2M | $541K | $416K | $-10K | -1.53% | 3.03% | 0.48% | 872 |
| Q4 2024 | $2.6M | $2.2M | $544K | $418K | $40K | 1.54% | 3.11% | 7.07% | 871 |
| Q3 2024 | $2.5M | $2.1M | $547K | $404K | $25K | 1.34% | 2.98% | 10.73% | 868 |
| 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 | 6.6% | 4.4% | 66th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.14% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
| Q2 2024 | $2.5M | $2.1M | $495K | $407K | $18K | 1.41% | 2.99% | 11.58% | 863 |
Loan mix (Q2 2026): real estate $0 · commercial $0 · consumer $303K · securities $1.8M
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 45.6% | 80.6% | 3rd |
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 (+2 vs 2025). Biggest market: Honolulu, HI, ranked 40th with 0.0% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Honolulu, HI | 3 | $1.9M* | 0.00% | 40th |
Hawaii: 62nd with 0.00% · Urban Honolulu metro: 40th, 0.00% · * Deposits estimated (total shares spread across branches).
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1 · 2026 3