Honolulu, HI · Charter 11494
NCUA · 1 branch
Q1 2021
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 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.51% | 0.50% | 0.40% | 0.33% | 0.27% | 0.32% | 0.44% | 1.18% | +86 bps | |
| Return on Equity | 3.80% | 3.63% | 2.91% | 2.39% | 2.03% | 2.46% | 3.32% | 8.92% | +653 bps | |
| Net Interest Margin | 1.99% | 1.99% | 1.93% | 1.98% | 1.83% | 1.84% | 1.92% | 2.48% | +49 bps | |
| Efficiency Ratio | 72.67% | 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 / Loans | 0.32% | 0.42% | 0.36% | 0.59% | 0.44% | 0.44% | 0.03% | 0.24% | -35 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 | 0.50% | 0.50% | 0.60% | 0.69% | 0.73% | 0.99% | 0.69% | 0.52% | -16 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 13.49% | 13.74% | 13.64% | 13.69% | 13.24% | 13.20% | 13.20% | 13.28% | -41 bps | |
| Net Worth / Assets | 13.49% | 13.74% | 13.64% | 13.69% | 13.24% | 13.20% | 13.20% | 13.28% | -41 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 15.87% | 16.88% | 16.09% | 15.86% | 15.11% | 14.43% | 13.92% | 12.41% | -345 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |