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Kamehameha

Honolulu, HI · Charter 11553

NCUA · 6 branches

Q3 2023

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: Q3 2023, the quarter ended September 30, 2023, 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 2026-10-10

Kamehameha

Honolulu, HI · Charter 11553

NCUA · 6 branches

Q3 2023

$40.2MAssets
$14.7MLoans
$35.0MShares
$5.0MNet Worth

Executive Summary

  • Earnings: ROA of -0.19%, down 28 bps year over year; NIM at 2.52%.
  • Asset quality: problem loans at 0.89% of loans (+64 bps YoY).
  • Capital: net worth / assets of 12.36%, up 65 bps from a year ago.
  • Funding: loans stand at 41.99% of shares as of Q3 2023.

Return on Assets (YTD, annualized)

-0.19%-28 bps YoY

Net Interest Margin (YTD, annualized)

2.52%+35 bps YoY

Efficiency Ratio (YTD, annualized)

98.47%+205 bps YoY

Net Worth / Assets

12.36%+65 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2021Q1 2022Q2 2022Q3 2022Q4 2022Q1 2023Q2 2023Q3 2023YoY ΔTrend
Earnings
Return on Assets0.27%0.08%0.07%0.09%0.12%-0.21%0.05%-0.19%-28 bps
Return on Equity2.29%0.65%0.58%0.75%1.02%-1.74%0.39%-1.52%-227 bps
Net Interest Margin2.06%2.03%2.07%2.17%2.27%2.43%2.47%2.52%+35 bps
Efficiency Ratio89.34%96.68%97.14%96.43%95.20%94.28%91.56%98.47%+205 bps
Growth
Asset Growth (YoY)0.40%2.14%1.69%1.32%-3.23%-4.13%-4.52%-5.86%-718 bps
Loan Growth (YoY)24.96%24.86%30.58%32.34%22.85%15.77%3.75%-6.43%-3,877 bps
Share Growth (YoY)0.41%1.97%1.60%0.96%-4.01%-5.06%-5.19%-6.60%-756 bps
Asset Quality
Delinquent Loans / Loans0.01%0.01%0.05%0.24%1.02%0.37%0.92%0.89%+64 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.24%0.28%0.26%0.26%0.26%0.00%0.00%0.00%-26 bps
Capital
Risk-Based Capital11.57%11.60%11.61%11.71%12.08%12.12%12.22%12.36%+65 bps
Net Worth / Assets11.57%11.60%11.61%11.71%12.08%12.12%12.22%12.36%+65 bps
Liquidity & Funding
Loans / Shares33.44%34.75%38.39%41.91%42.79%42.37%42.01%41.99%+8 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps