Honolulu, HI · Charter 11553
NCUA · 6 branches
Q3 2023
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q4 2021 | Q1 2022 | Q2 2022 | Q3 2022 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.27% | 0.08% | 0.07% | 0.09% | 0.12% | -0.21% | 0.05% | -0.19% | -28 bps | |
| Return on Equity | 2.29% | 0.65% | 0.58% | 0.75% | 1.02% | -1.74% | 0.39% | -1.52% | -227 bps | |
| Net Interest Margin | 2.06% | 2.03% | 2.07% | 2.17% | 2.27% | 2.43% | 2.47% | 2.52% | +35 bps | |
| Efficiency Ratio | 89.34% | 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 / Loans | 0.01% | 0.01% | 0.05% | 0.24% | 1.02% | 0.37% | 0.92% | 0.89% | +64 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 | 0.24% | 0.28% | 0.26% | 0.26% | 0.26% | 0.00% | 0.00% | 0.00% | -26 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.57% | 11.60% | 11.61% | 11.71% | 12.08% | 12.12% | 12.22% | 12.36% | +65 bps | |
| Net Worth / Assets | 11.57% | 11.60% | 11.61% | 11.71% | 12.08% | 12.12% | 12.22% | 12.36% | +65 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 33.44% | 34.75% | 38.39% | 41.91% | 42.79% | 42.37% | 42.01% | 41.99% | +8 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |