Honokaa, HI · Charter 10349
Q3 2015
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.49% | -1.22% | -0.65% | -4.89% | -7.23% | -674 bps | |
| Return on Equity | -7.14% | -20.00% | -12.51% | -163.01% | -2457% | -244,952 bps | |
| Net Interest Margin | 3.38% | 3.45% | 3.29% | 3.30% | 3.40% | +2 bps | |
| Efficiency Ratio | 116.34% | 115.44% | 114.06% | 152.66% | 212% | +9,576 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -1.82% | -3.20% | -7.40% | -2.38% | -3.89% | -207 bps | |
| Loan Growth (YoY) | -3.74% | -7.65% | -8.33% | -11.48% | -14.64% | -1,090 bps | |
| Share Growth (YoY) | -1.50% | -2.30% | -6.34% | 1.41% | 0.44% | +194 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.81% | 3.71% | 2.29% | 1.71% | 3.13% | -68 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.25% | 2.67% | 3.69% | 6.46% | 6.91% | +566 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.84% | 6.13% | 5.22% | 3.00% | 0.29% | -655 bps | |
| Net Worth / Assets | 6.84% | 6.13% | 5.22% | 3.00% | 0.29% | -655 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 54.85% | 54.08% | 49.50% | 47.44% | 46.61% | -823 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |