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Kuakini Medical Center

Honolulu, HI · Charter 11494

NCUA · 1 branch

Q1 2021

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: Q1 2021, the quarter ended March 31, 2021, 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

Kuakini Medical Center

Honolulu, HI · Charter 11494

NCUA · 1 branch

Q1 2021

$46.9MAssets
$5.0MLoans
$40.5MShares
$6.2MNet Worth

Executive Summary

  • Earnings: ROA of 1.18%, up 86 bps year over year; NIM at 2.48%.
  • Asset quality: problem loans at 0.24% of loans (-35 bps YoY).
  • Capital: net worth / assets of 13.28%, down 41 bps from a year ago.
  • Funding: loans stand at 12.41% of shares as of Q1 2021.

Return on Assets (YTD, annualized)

1.18%+86 bps YoY

Net Interest Margin (YTD, annualized)

2.48%+49 bps YoY

Efficiency Ratio (YTD, annualized)

59.18%-2,393 bps YoY

Net Worth / Assets

13.28%-41 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2019Q3 2019Q4 2019Q1 2020Q2 2020Q3 2020Q4 2020Q1 2021YoY ΔTrend
Earnings
Return on Assets0.51%0.50%0.40%0.33%0.27%0.32%0.44%1.18%+86 bps
Return on Equity3.80%3.63%2.91%2.39%2.03%2.46%3.32%8.92%+653 bps
Net Interest Margin1.99%1.99%1.93%1.98%1.83%1.84%1.92%2.48%+49 bps
Efficiency Ratio72.67%74.13%78.37%83.11%85.99%81.54%77.28%59.18%-2,393 bps
Growth
Asset Growth (YoY)-1.03%-0.38%-0.78%-1.24%3.85%6.34%6.78%8.37%+961 bps
Loan Growth (YoY)-9.62%-6.35%-4.80%-2.65%-0.87%-8.55%-7.10%-14.94%-1,229 bps
Share Growth (YoY)-1.85%-0.98%-1.47%-1.95%4.06%6.98%7.37%8.73%+1,068 bps
Asset Quality
Delinquent Loans / Loans0.32%0.42%0.36%0.59%0.44%0.44%0.03%0.24%-35 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.50%0.50%0.60%0.69%0.73%0.99%0.69%0.52%-16 bps
Capital
Risk-Based Capital13.49%13.74%13.64%13.69%13.24%13.20%13.20%13.28%-41 bps
Net Worth / Assets13.49%13.74%13.64%13.69%13.24%13.20%13.20%13.28%-41 bps
Liquidity & Funding
Loans / Shares15.87%16.88%16.09%15.86%15.11%14.43%13.92%12.41%-345 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps