Lahaina, HI · Charter 2563
NCUA · 1 branch
Q2 2017
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 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.51% | -0.45% | -0.27% | -0.14% | -0.14% | -0.09% | 0.06% | -0.16% | -2 bps | |
| Return on Equity | -2.26% | -1.98% | -1.19% | -0.63% | -0.61% | -0.42% | 0.28% | -0.75% | -12 bps | |
| Net Interest Margin | 1.48% | 1.58% | 1.76% | 1.82% | 1.87% | 1.89% | 1.98% | 2.09% | +27 bps | |
| Efficiency Ratio | 124.88% | 120.69% | 112.51% | 106.36% | 104.19% | 102.61% | 97.40% | 98.67% | -769 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.34% | 0.47% | 1.90% | 2.12% | 1.30% | 3.76% | 5.28% | 4.88% | +276 bps | |
| Loan Growth (YoY) | 62.41% | 68.91% | 72.56% | 75.35% | 49.93% | 43.30% | 41.75% | 31.95% | -4,340 bps | |
| Share Growth (YoY) | 3.10% | 2.08% | 3.24% | 3.03% | 2.46% | 5.85% | 6.82% | 6.51% | +348 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.10% | 0.12% | 0.11% | 0.26% | 0.59% | 0.01% | 0.20% | 0.47% | +21 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 | 0.95% | 0.86% | 0.69% | 0.62% | 0.55% | 0.54% | 0.48% | 0.75% | +13 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.71% | 22.81% | 22.21% | 22.23% | 22.26% | 21.90% | 21.09% | 21.09% | -113 bps | |
| Net Worth / Assets | 22.71% | 22.81% | 22.21% | 22.23% | 22.26% | 21.90% | 21.09% | 21.09% | -113 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 15.31% | 17.34% | 18.39% | 21.04% | 22.40% | 23.47% | 24.40% | 26.07% | +503 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |