Honolulu, HI · Charter 12720
NCUA · 2 branches
Q2 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2018, the quarter ended June 30, 2018, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Honolulu, HI · Charter 12720
NCUA · 2 branches
Q2 2018
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 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.00% | 0.41% | 0.11% | 0.52% | 1.04% | 0.69% | -1.36% | -3.11% | -363 bps | |
| Return on Equity | 0.02% | 5.36% | 1.48% | 6.81% | 12.27% | 8.40% | -16.43% | -43.93% | -5,074 bps | |
| Net Interest Margin | 2.66% | 2.68% | 2.70% | 2.54% | 2.69% | 2.72% | 2.81% | 2.73% | +18 bps | |
| Efficiency Ratio | 99.96% | 102.31% | 96.82% | 103.62% | 103.37% | 104.53% | 138.79% | 181.84% | +7,821 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -4.54% | -2.08% | 1.12% | 2.30% | -1.66% | 0.75% | -3.02% | -5.80% | -810 bps | |
| Loan Growth (YoY) | -0.93% | 1.73% | 5.34% | -12.59% | -10.11% | -11.12% | -10.70% | -16.21% | -362 bps | |
| Share Growth (YoY) | -5.13% | -2.75% | 0.97% | 1.76% | -3.14% | 0.60% | -3.34% | -4.73% | -649 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.60% | 0.84% | 1.02% | 0.92% | 1.64% | 0.99% | 1.65% | 0.45% | -47 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 | 4.38% | 3.12% | 3.32% | 2.29% | 0.75% | 0.21% | 0.34% | 1.00% | -130 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 7.14% | 7.56% | 7.67% | 7.71% | 8.45% | 8.20% | 8.27% | 7.08% | -63 bps | |
| Net Worth / Assets | 7.14% | 7.56% | 7.67% | 7.71% | 8.45% | 8.20% | 8.27% | 7.08% | -63 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.03% | 34.78% | 34.39% | 32.73% | 33.43% | 30.73% | 31.77% | 28.79% | -394 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |