Honolulu, HI · Charter 11332
NCUA · 2 branches
Q2 2017
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 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.32% | 0.57% | 0.82% | -0.24% | 0.27% | 0.11% | -7.29% | -10.62% | -1,038 bps | |
| Return on Equity | 5.08% | 8.19% | 11.76% | -3.66% | 3.90% | 1.58% | -144.42% | -557% | -55,339 bps | |
| Net Interest Margin | 6.89% | 7.46% | 7.80% | 7.31% | 7.32% | 7.07% | 6.32% | 6.58% | -73 bps | |
| Efficiency Ratio | 96.03% | 91.68% | 86.12% | 89.21% | 90.66% | 91.51% | 114.91% | 105.58% | +1,637 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.20% | -4.22% | -5.33% | -5.67% | -3.56% | 3.29% | -0.16% | -6.00% | -33 bps | |
| Loan Growth (YoY) | 1.84% | 4.82% | -3.05% | -11.08% | -16.50% | -21.71% | -16.62% | -18.56% | -748 bps | |
| Share Growth (YoY) | -5.21% | -10.88% | -6.54% | -5.70% | -4.37% | 9.61% | 1.86% | -1.40% | +430 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 5.19% | 5.37% | 7.53% | 5.97% | 4.92% | 8.98% | 4.97% | 8.01% | +204 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.68% | 2.33% | 2.64% | 3.20% | 3.16% | 3.67% | 5.98% | 9.85% | +665 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 6.28% | 6.91% | 6.96% | 6.56% | 7.03% | 6.80% | 5.05% | 1.91% | -465 bps | |
| Net Worth / Assets | 6.28% | 6.91% | 6.96% | 6.56% | 7.03% | 6.80% | 5.05% | 1.91% | -465 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 91.73% | 103.81% | 88.90% | 80.75% | 80.09% | 74.14% | 72.78% | 66.69% | -1,406 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |