Honolulu, HI · Charter 1930
Q3 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2008, the quarter ended September 30, 2008, 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 1930
Q3 2008
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 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | Q3 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.75% | -1.77% | 0.01% | -8.00% | -6.49% | -574 bps | |
| Return on Equity | -9.41% | -24.11% | 0.19% | -246% | -225% | -21,563 bps | |
| Net Interest Margin | 6.31% | 6.73% | 6.39% | 6.28% | 6.62% | +32 bps | |
| Efficiency Ratio | 85.74% | 84.13% | 81.52% | 88.87% | 88.57% | +284 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -20.02% | -22.76% | -17.48% | -11.23% | -11.27% | +875 bps | |
| Loan Growth (YoY) | -20.55% | -19.73% | -20.23% | -20.94% | -23.70% | -315 bps | |
| Share Growth (YoY) | -20.74% | -22.83% | -16.99% | -6.85% | -6.36% | +1,438 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 7.58% | 6.68% | 6.82% | 8.06% | 3.68% | -390 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.09% | 1.27% | 1.58% | 6.02% | 2.52% | +143 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.97% | 7.33% | 7.27% | 3.25% | 2.88% | -509 bps | |
| Net Worth / Assets | 7.97% | 7.33% | 7.27% | 3.25% | 2.88% | -509 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 98.29% | 99.75% | 93.49% | 83.87% | 80.09% | -1,820 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |