Honolulu, HI · Charter 14303
NCUA · 2 branches
Q4 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2024, the quarter ended December 31, 2024, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,721 to 1,724). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
71
Asset Quality
85
Profitability
6
Liquidity
0
Efficiency
3
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Honolulu, HI · Charter 14303
NCUA · 2 branches
Q4 2024
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 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | Q4 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.18% | -0.40% | -0.63% | -0.43% | -1.14% | -0.74% | -0.37% | -0.35% | +8 bps | |
| Return on Equity | 1.26% | -2.69% | -4.20% | -2.86% | -7.56% | -4.87% | -2.51% | -2.31% | +55 bps | |
| Net Interest Margin | 1.62% | 1.69% | 1.64% | 1.63% | 1.44% | 1.46% | 1.36% | 1.34% | -29 bps | |
| Efficiency Ratio | 81.75% | 82.61% | 103.01% | 103.39% | 306% | 165.01% | 132.34% | 127.40% | +2,400 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -7.86% | -9.76% | -12.98% | -10.53% | -9.34% | -6.13% | 0.47% | -2.93% | +761 bps | |
| Loan Growth (YoY) | 9.94% | 16.94% | 21.23% | 25.26% | 11.77% | 14.28% | -0.16% | -9.44% | -3,470 bps | |
| Share Growth (YoY) | -7.60% | -10.08% | -14.55% | -12.50% | -11.52% | -8.28% | -1.46% | -4.39% | +812 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 2.62% | 2.48% | 3.02% | 2.41% | 0.23% | 0.19% | 0.00% | 0.12% | -229 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 | 1.07% | 3.39% | 3.87% | 3.04% | 1.18% | 1.26% | 0.94% | 1.23% | -181 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 14.37% | 14.80% | 14.98% | 15.07% | 15.08% | 15.16% | 14.67% | 15.18% | +10 bps | |
| Net Worth / Assets | 14.37% | 14.80% | 14.98% | 15.07% | 15.08% | 15.16% | 14.67% | 15.18% | +10 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 13.48% | 14.37% | 16.11% | 17.14% | 17.03% | 17.90% | 16.32% | 16.24% | -91 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Honolulu, HI · Charter 14303 · Peer group: credit unions under $1B in assets (n=1,721-1,724)
NCUA · 2 branches
Q4 2024
Return on Assets
-0.35%
Rank 1,586 of 1,724
Net Interest Margin
1.34%
Rank 1,709 of 1,723
Efficiency Ratio
127.46%
Rank 1,678 of 1,721
Equity / Assets
15.18%
Rank 503 of 1,723
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -0.35% | 0.25% | 0.67% | 1.13% | Beats 8% | 1,586 / 1,724 | ||
| Return on Equity | -2.31% | 1.95% | 5.34% | 8.54% | Beats 8% | 1,577 / 1,723 | ||
| Net Interest Margin | 1.34% | 3.03% | 3.61% | 4.27% | Beats 1% | 1,709 / 1,723 | ||
| Efficiency Ratio | 127.46% | 69.84% | 78.36% | 87.50% | Beats 3% | 1,678 / 1,721 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.12% | 0.28% | 0.70% | 1.38% | Beats 85% | 261 / 1,721 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 15.18% | 10.16% | 12.41% | 16.03% | Beats 71% | 504 / 1,724 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 15.18% | 10.15% | 12.41% | 16.03% | Beats 71% | 503 / 1,723 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 16.24% | 55.95% | 72.66% | 85.34% | 1st pctl | 1,706 / 1,722 | ||
| Loans / Assets | 13.87% | 47.91% | 62.00% | 72.82% | 1st pctl | 1,705 / 1,723 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||