Kapolei, HI · Charter 14813
Q2 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2007, the quarter ended June 30, 2007, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Kapolei, HI · Charter 14813
Q2 2007
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | Q2 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.43% | -1.75% | -4.44% | -1.50% | -11.38% | -995 bps | |
| Return on Equity | -5.37% | -6.81% | -19.42% | -6.60% | -53.43% | -4,805 bps | |
| Net Interest Margin | 7.34% | 7.17% | 7.08% | 7.79% | 4.73% | -262 bps | |
| Efficiency Ratio | 119.48% | 124.48% | 126.47% | 119.22% | 341% | +22,128 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -13.14% | -14.12% | -11.30% | -2.34% | -15.31% | -217 bps | |
| Loan Growth (YoY) | -27.71% | -10.49% | -8.02% | -24.26% | -8.91% | +1,880 bps | |
| Share Growth (YoY) | -15.68% | -16.44% | -9.70% | 2.90% | -8.98% | +669 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.26% | 6.25% | 4.79% | 4.84% | 5.07% | -220 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.96% | 3.41% | 7.35% | 3.15% | 3.30% | -66 bps | |
| Capital | |||||||
| Risk-Based Capital | 26.62% | 25.75% | 22.87% | 22.71% | 21.31% | -531 bps | |
| Net Worth / Assets | 26.62% | 25.75% | 22.87% | 22.71% | 21.31% | -531 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 55.58% | 63.19% | 62.25% | 50.76% | 55.63% | +5 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |