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H M S A Employees

Honolulu, HI · Charter 14303

NCUA · 2 branches

Q4 2024

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets3

Basis

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.

Peer group

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.

Peer standing

Capital

71

Q2 2024Q4 2024peer median (50)

Asset Quality

85

Q2 2024Q4 2024peer median (50)

Profitability

6

Q2 2024Q4 2024peer median (50)

Liquidity

0

Q2 2024Q4 2024peer median

Efficiency

3

Q2 2024Q4 2024peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

H M S A Employees

Honolulu, HI · Charter 14303

NCUA · 2 branches

Q4 2024

$60.0MAssets
$8.3MLoans
$51.3MShares
$9.1MNet Worth

Return on Assets (YTD, annualized)

-0.35%+8 bps YoY

Net Interest Margin (YTD, annualized)

1.34%-29 bps YoY

Efficiency Ratio (YTD, annualized)

127.40%+2,400 bps YoY

Net Worth / Assets

15.18%+10 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2023Q2 2023Q3 2023Q4 2023Q1 2024Q2 2024Q3 2024Q4 2024YoY ΔTrend
Return on Assets0.18%-0.40%-0.63%-0.43%-1.14%-0.74%-0.37%-0.35%+8 bps
Net Interest Margin1.62%1.69%1.64%1.63%1.44%1.46%1.36%1.34%-29 bps
Asset Growth (YoY)-7.86%-9.76%-12.98%-10.53%-9.34%-6.13%0.47%-2.93%+761 bps
Share Growth (YoY)-7.60%-10.08%-14.55%-12.50%-11.52%-8.28%-1.46%-4.39%+812 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Risk-Based Capital14.37%14.80%14.98%15.07%15.08%15.16%14.67%15.18%+10 bps
Loans / Shares13.48%14.37%16.11%17.14%17.03%17.90%16.32%16.24%-91 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

H M S A Employees

Honolulu, HI · Charter 14303 · Peer group: credit unions under $1B in assets (n=1,721-1,724)

NCUA · 2 branches

Q4 2024

$60.0MAssets
$8.3MLoans
$51.3MShares
$9.1MNet Worth

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

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRank8-Qtr TrendPeer Position
Return on Assets-0.35%0.25%0.67%1.13%Beats 8%1,586 / 1,724
Net Interest Margin1.34%3.03%3.61%4.27%Beats 1%1,709 / 1,723
Nonperforming Loans / Loans0.12%0.28%0.70%1.38%Beats 85%261 / 1,721
Tier 1 Capital Ratio15.18%10.16%12.41%16.03%Beats 71%504 / 1,724
Equity / Assets15.18%10.15%12.41%16.03%Beats 71%503 / 1,723
Loans / Assets13.87%47.91%62.00%72.82%1st pctl1,705 / 1,723