Honolulu, HI · Charter 24830
NCUA · 1 branch
Q3 2024
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2024, the quarter ended September 30, 2024, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Credit unions under $1B in assets (n=1,757 to 1,761). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
2
Asset Quality
25
Profitability
1
Liquidity
9
Efficiency
42
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Honolulu, HI · Charter 24830
NCUA · 1 branch
Q3 2024
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 | Q4 2022 | Q1 2023 | Q2 2023 | Q3 2023 | Q4 2023 | Q1 2024 | Q2 2024 | Q3 2024 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.14% | 0.63% | 0.54% | 0.51% | 0.51% | 0.54% | 0.57% | -7.57% | -808 bps | |
| Return on Equity | 1.24% | 5.45% | 4.86% | 4.49% | 4.33% | 4.49% | 4.61% | -102.72% | -10,721 bps | |
| Net Interest Margin | 2.13% | 2.95% | 2.74% | 2.68% | 2.73% | 2.67% | 2.74% | -1.61% | -430 bps | |
| Efficiency Ratio | 93.62% | 80.17% | 81.64% | 82.19% | 82.19% | 81.11% | 81.86% | n/a | n/a | |
| Growth | ||||||||||
| Asset Growth (YoY) | 0.89% | -3.63% | 1.69% | 0.50% | -2.03% | -0.32% | -6.69% | -12.13% | -1,263 bps | |
| Loan Growth (YoY) | -1.13% | 7.97% | 15.12% | 14.17% | 13.62% | 6.97% | -0.44% | -2.92% | -1,709 bps | |
| Share Growth (YoY) | 0.72% | -4.88% | -0.36% | -2.18% | -2.94% | -0.31% | -6.11% | -6.46% | -428 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.17% | 0.11% | 1.34% | 1.28% | 1.41% | 1.38% | 1.28% | 1.25% | -3 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 | 0.42% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.14% | 11.56% | 11.14% | 11.36% | 11.88% | 12.08% | 12.46% | 7.37% | -399 bps | |
| Net Worth / Assets | 11.14% | 11.56% | 11.14% | 11.36% | 11.88% | 12.08% | 12.46% | 7.37% | -399 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 36.18% | 38.75% | 40.37% | 42.45% | 42.35% | 41.58% | 42.81% | 44.06% | +161 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Honolulu, HI · Charter 24830 · Peer group: credit unions under $1B in assets (n=1,757-1,761)
NCUA · 1 branch
Q3 2024
Return on Assets
-7.57%
Rank 1,751 of 1,761
Net Interest Margin
-1.61%
Rank 1,759 of 1,761
Equity / Assets
7.37%
Rank 1,718 of 1,761
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | -7.57% | 0.26% | 0.70% | 1.22% | Beats 1% | 1,751 / 1,761 | ||
| Return on Equity | -102.70% | 2.09% | 5.52% | 9.08% | Beats 1% | 1,750 / 1,761 | ||
| Net Interest Margin | -1.61% | 3.03% | 3.59% | 4.25% | Beats 0% | 1,759 / 1,761 | ||
| Efficiency Ratio | n/a | Not reported for this institution | ||||||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.25% | 0.26% | 0.65% | 1.27% | Beats 25% | 1,314 / 1,757 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 7.37% | 10.05% | 12.42% | 15.87% | Beats 2% | 1,718 / 1,761 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 7.37% | 10.05% | 12.42% | 15.87% | Beats 2% | 1,718 / 1,761 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 44.06% | 56.21% | 73.13% | 85.64% | 12th pctl | 1,548 / 1,759 | ||
| Loans / Assets | 40.17% | 47.85% | 62.48% | 73.19% | 15th pctl | 1,501 / 1,761 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||