Honolulu, HI · Charter 17144
Q3 2009
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | Q3 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.13% | 0.17% | -6.04% | -1.61% | -2.35% | -248 bps | |
| Return on Equity | 1.15% | 1.38% | -59.36% | -15.21% | -23.08% | -2,423 bps | |
| Net Interest Margin | 4.48% | 4.52% | 3.69% | 3.39% | 3.30% | -118 bps | |
| Efficiency Ratio | 96.00% | 97.49% | 273% | 112.74% | 140.59% | +4,459 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -16.47% | -6.32% | -2.44% | 1.96% | 5.04% | +2,151 bps | |
| Loan Growth (YoY) | -12.22% | -10.58% | -12.95% | -14.19% | -10.35% | +187 bps | |
| Share Growth (YoY) | -18.59% | -7.58% | -1.73% | 3.32% | 7.26% | +2,585 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.62% | 0.10% | 0.13% | 0.00% | 0.17% | -45 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.16% | 0.11% | 0.14% | 0.12% | 0.11% | -4 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.75% | 12.10% | 10.18% | 10.59% | 10.16% | -159 bps | |
| Net Worth / Assets | 11.75% | 12.10% | 10.18% | 10.59% | 10.16% | -159 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.05% | 78.15% | 72.37% | 65.28% | 65.24% | -1,281 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |