Honolulu, HI · Charter 12251
Q2 1998
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 1996 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.88% | 4.38% | 3.40% | 3.85% | 3.35% | -53 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -7.08% | -8.48% | -15.54% | -11.72% | -39.02% | -3,194 bps | |
| Loan Growth (YoY) | -28.29% | -26.00% | -41.62% | -42.63% | -49.67% | -2,138 bps | |
| Share Growth (YoY) | -7.29% | -10.37% | -17.56% | -14.00% | -43.74% | -3,645 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 14.51% | 7.43% | 7.29% | 9.48% | 26.94% | +1,243 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 8.54% | 5.92% | 9.31% | 10.56% | 13.27% | +474 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 28.82% | 28.93% | 21.48% | 20.48% | 25.78% | -303 bps | |
| Liquid Assets / Assets | 58.16% | 57.08% | 28.70% | 70.65% | 57.47% | -69 bps | |