Honolulu, HI · Charter 17989
NCUA · 1 branch
Q1 2020
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2020, the quarter ended March 31, 2020, 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.
Honolulu, HI · Charter 17989
NCUA · 1 branch
Q1 2020
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 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | Q4 2019 | Q1 2020 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.01% | 0.33% | 0.37% | 0.48% | 0.39% | 0.08% | 0.25% | 0.31% | -17 bps | |
| Return on Equity | 0.07% | 2.63% | 2.94% | 3.89% | 3.15% | 0.64% | 1.94% | 2.35% | -154 bps | |
| Net Interest Margin | 3.77% | 3.87% | 3.85% | 3.64% | 3.62% | 3.72% | 3.79% | 3.81% | +17 bps | |
| Efficiency Ratio | 89.86% | 86.25% | 86.56% | 93.45% | 92.68% | 92.03% | 89.22% | 101.83% | +838 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.92% | -0.77% | 3.03% | 3.07% | 3.90% | 2.74% | -0.61% | -3.65% | -672 bps | |
| Loan Growth (YoY) | -4.95% | -7.49% | -7.91% | -6.31% | 3.92% | 7.34% | 8.68% | 20.08% | +2,639 bps | |
| Share Growth (YoY) | 3.41% | -0.96% | 3.04% | 3.07% | 3.86% | 2.91% | -0.82% | -4.43% | -750 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.61% | 0.33% | 0.29% | 0.24% | 0.67% | 1.48% | 0.86% | 0.72% | +47 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 | 0.92% | 0.68% | 0.70% | 0.58% | 0.53% | 1.03% | 1.02% | 0.77% | +19 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 12.29% | 12.69% | 12.73% | 12.42% | 12.38% | 12.54% | 13.06% | 13.10% | +68 bps | |
| Net Worth / Assets | 12.29% | 12.69% | 12.73% | 12.42% | 12.38% | 12.54% | 13.06% | 13.10% | +68 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 50.14% | 50.39% | 49.32% | 45.98% | 50.16% | 52.56% | 54.04% | 57.77% | +1,179 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |