PackageTrendsPeer
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Castle Medical Center

Kailua, HI · Charter 17962

Q2 1998

$3.9MAssets
$2.4MLoans
$3.6MShares
n/aNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -0.15%, down 368 bps year over year.
  • Asset quality: problem loans at 9.26% of loans (+801 bps YoY).
  • Funding: loans stand at 67.34% of shares as of Q2 1998.

Financial Results

Return on Assets (quarter, annualized)

-0.15%-368 bps YoY

Net Interest Margin (quarter, annualized)

n/a

Efficiency Ratio (quarter, annualized)

n/a

Net Worth / Assets

n/a

Discrete quarter, annualized.

MetricQ2 1996Q4 1996Q2 1997Q4 1997Q2 1998YoY ΔTrend
Earnings
Return on Assets3.52%2.16%1.42%2.48%-0.15%-368 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/an/an/an/a
Efficiency Ration/an/an/an/an/an/an/a
Growth
Asset Growth (YoY)-18.06%-10.32%-14.42%-30.76%-16.72%+134 bps
Loan Growth (YoY)3.39%6.27%3.88%-9.29%-23.58%-2,698 bps
Share Growth (YoY)-21.83%-11.90%-15.32%-32.49%-15.42%+641 bps
Asset Quality
Delinquent Loans / Loans1.25%3.78%4.04%3.53%9.26%+801 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.46%2.57%2.75%1.80%4.34%+287 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares74.53%70.56%76.11%83.37%67.34%-720 bps
Liquid Assets / Assets28.72%26.26%27.65%21.64%33.14%+442 bps