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Pioneer Mill

Lahaina, HI · Charter 2563

NCUA · 1 branch

Q2 2017

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q2 2017, the quarter ended June 30, 2017, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Pioneer Mill

Lahaina, HI · Charter 2563

NCUA · 1 branch

Q2 2017

$38.0MAssets
$7.8MLoans
$30.0MShares
$8.0MNet 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 -0.16%, down 2 bps year over year; NIM at 2.09%.
  • Asset quality: problem loans at 0.47% of loans (+21 bps YoY).
  • Capital: net worth / assets of 21.09%, down 113 bps from a year ago.
  • Funding: loans stand at 26.07% of shares as of Q2 2017.

Financial Results

Return on Assets (YTD, annualized)

-0.16%-2 bps YoY

Net Interest Margin (YTD, annualized)

2.09%+27 bps YoY

Efficiency Ratio (YTD, annualized)

98.67%-769 bps YoY

Net Worth / Assets

21.09%-113 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2016Q3 2016Q4 2016Q1 2017Q2 2017YoY ΔTrend
Earnings
Return on Assets-0.14%-0.14%-0.09%0.06%-0.16%-2 bps
Return on Equity-0.63%-0.61%-0.42%0.28%-0.75%-12 bps
Net Interest Margin1.82%1.87%1.89%1.98%2.09%+27 bps
Efficiency Ratio106.36%104.19%102.61%97.40%98.67%-769 bps
Growth
Asset Growth (YoY)2.12%1.30%3.76%5.28%4.88%+276 bps
Loan Growth (YoY)75.35%49.93%43.30%41.75%31.95%-4,340 bps
Share Growth (YoY)3.03%2.46%5.85%6.82%6.51%+348 bps
Asset Quality
Delinquent Loans / Loans0.26%0.59%0.01%0.20%0.47%+21 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.62%0.55%0.54%0.48%0.75%+13 bps
Capital
Risk-Based Capital22.23%22.26%21.90%21.09%21.09%-113 bps
Net Worth / Assets22.23%22.26%21.90%21.09%21.09%-113 bps
Liquidity & Funding
Loans / Shares21.04%22.40%23.47%24.40%26.07%+503 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps