Honolulu, HI · Charter 13001
Q1 2014
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2014, the quarter ended March 31, 2014, 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 13001
Q1 2014
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 | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.03% | -0.16% | -0.18% | -0.40% | -5.43% | -546 bps | |
| Return on Equity | 0.22% | -1.22% | -1.39% | -3.08% | -46.10% | -4,632 bps | |
| Net Interest Margin | 2.09% | 2.15% | 2.17% | 2.19% | -3.20% | -529 bps | |
| Efficiency Ratio | 95.46% | 89.76% | 90.74% | 104.76% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 0.48% | -0.92% | -1.15% | -0.86% | -2.74% | -322 bps | |
| Loan Growth (YoY) | 12.42% | 16.79% | 7.80% | 2.45% | -3.97% | -1,638 bps | |
| Share Growth (YoY) | 0.80% | -0.75% | -1.18% | -0.61% | -2.81% | -361 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.42% | 0.87% | 0.55% | 0.50% | 0.33% | -8 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.14% | 1.67% | 1.70% | 1.64% | 1.43% | +29 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.17% | 13.10% | 13.06% | 12.94% | 11.77% | -140 bps | |
| Net Worth / Assets | 13.17% | 13.10% | 13.06% | 12.94% | 11.77% | -140 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 26.15% | 27.83% | 26.45% | 26.01% | 25.84% | -31 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |