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 | |