Honolulu, HI · Charter 13158
NCUA · 2 branches
Q2 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2017, the quarter ended June 30, 2017, 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 13158
NCUA · 2 branches
Q2 2017
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 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.06% | 0.14% | -0.03% | 0.12% | 0.12% | 0.18% | -3.87% | -4.59% | -471 bps | |
| Return on Equity | 0.55% | 1.26% | -0.29% | 1.11% | 1.09% | 1.66% | -38.27% | -52.08% | -5,319 bps | |
| Net Interest Margin | 1.58% | 1.65% | 1.84% | 1.81% | 1.75% | 1.77% | 1.75% | -0.42% | -223 bps | |
| Efficiency Ratio | 95.62% | 92.79% | 95.91% | 92.42% | 92.40% | 90.94% | 252% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.98% | -3.97% | -5.79% | -4.77% | -2.54% | -0.31% | 2.50% | 1.83% | +661 bps | |
| Loan Growth (YoY) | -12.61% | -12.94% | -14.44% | -15.81% | -17.21% | -14.65% | -14.39% | -10.09% | +572 bps | |
| Share Growth (YoY) | -1.21% | -4.65% | -6.72% | -5.55% | -3.04% | -0.54% | 3.73% | 4.57% | +1,012 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.05% | 0.27% | 0.04% | 0.37% | 0.48% | 0.50% | 0.71% | 0.25% | -12 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 | 0.44% | 0.44% | 0.60% | 0.62% | 0.71% | 0.68% | 1.13% | 2.02% | +141 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 10.43% | 10.86% | 11.17% | 11.18% | 10.89% | 11.07% | 10.12% | 8.81% | -237 bps | |
| Net Worth / Assets | 10.43% | 10.86% | 11.17% | 11.18% | 10.89% | 11.07% | 10.12% | 8.81% | -237 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 29.69% | 28.78% | 28.80% | 27.10% | 25.35% | 24.70% | 23.77% | 23.30% | -380 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |