PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Central Oahu Community

Wheeler AFB, HI · Charter 14002

Q4 1999

$6.1MAssets
$3.8MLoans
$5.8MShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -3.24%, down 579 bps year over year; NIM at 5.34%.
  • Asset quality: problem loans at 1.48% of loans (+36 bps YoY).
  • Funding: loans stand at 64.87% of shares as of Q4 1999.

Financial Results

Return on Assets (YTD, annualized)

-3.24%-579 bps YoY

Net Interest Margin (YTD, annualized)

5.34%

Efficiency Ratio (YTD, annualized)

144.68%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ4 1997Q2 1998Q4 1998Q2 1999Q4 1999YoY ΔTrend
Earnings
Return on Assets2.55%2.47%2.46%1.78%-3.24%-579 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a5.34%n/an/a
Efficiency Ration/an/an/an/a144.68%n/an/a
Growth
Asset Growth (YoY)-14.36%-9.17%-6.59%1.59%0.23%+1,459 bps
Loan Growth (YoY)-5.34%-2.63%-2.77%-3.71%-0.60%+474 bps
Share Growth (YoY)-15.79%-10.05%-7.04%2.28%1.36%+1,714 bps
Asset Quality
Delinquent Loans / Loans1.13%1.40%2.35%2.02%1.48%+36 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.87%3.07%2.76%2.25%1.65%-122 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares66.15%65.88%65.37%61.36%64.87%-128 bps
Liquid Assets / Assets32.42%32.46%34.31%36.65%29.25%-317 bps