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 | |