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
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 85% of credit unions under $1B in assets (rank 261 of 1721).
- Widest gap: net interest margin trails 99% of credit unions under $1B in assets (rank 1709 of 1723).
- Overall: at or above the peer median on 3 of 7 directional measures.
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 | 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 |