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Kaumakani

Kaumakani, HI · Charter 10070

Q2 2013

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2013, the quarter ended June 30, 2013, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Kaumakani

Kaumakani, HI · Charter 10070

Q2 2013

$2.8MAssets
$1.2MLoans
$1.8MShares
$552KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -2.44%, up 14 bps year over year; NIM at 4.14%.
  • Asset quality: problem loans at 2.10% of loans (-183 bps YoY).
  • Capital: net worth / assets of 20.03%, up 365 bps from a year ago.
  • Funding: loans stand at 65.47% of shares as of Q2 2013.

Financial Results

Return on Assets (YTD, annualized)

-2.44%+14 bps YoY

Net Interest Margin (YTD, annualized)

4.14%+129 bps YoY

Efficiency Ratio (YTD, annualized)

155.08%-3,105 bps YoY

Net Worth / Assets

20.03%+365 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2012Q3 2012Q4 2012Q1 2013Q2 2013YoY ΔTrend
Earnings
Return on Assets-2.58%-2.87%-2.89%-1.99%-2.44%+14 bps
Return on Equity-15.75%-17.42%-17.40%-12.10%-12.20%+355 bps
Net Interest Margin2.84%2.89%3.05%3.22%4.14%+129 bps
Efficiency Ratio186.13%184.06%182.49%158.09%155.08%-3,105 bps
Growth
Asset Growth (YoY)-8.62%-9.80%-12.28%-13.99%-27.36%-1,873 bps
Loan Growth (YoY)-6.75%-4.84%6.37%15.20%11.21%+1,796 bps
Share Growth (YoY)-7.39%-8.69%-14.42%-19.66%-42.65%-3,526 bps
Asset Quality
Delinquent Loans / Loans3.94%3.12%1.59%2.35%2.10%-183 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans4.90%4.85%3.86%4.21%2.97%-194 bps
Capital
Risk-Based Capital16.38%16.47%16.60%16.41%20.03%+365 bps
Net Worth / Assets16.38%16.47%16.60%16.41%20.03%+365 bps
Liquidity & Funding
Loans / Shares33.76%34.75%41.56%43.48%65.47%+3,171 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps