Koloa, HI · Charter 2576
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 2012, 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.
Koloa, HI · Charter 2576
Q3 2012
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 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.84% | -2.09% | -0.64% | -0.18% | -0.03% | +181 bps | |
| Return on Equity | -13.47% | -14.93% | -4.58% | -1.27% | -0.20% | +1,327 bps | |
| Net Interest Margin | 2.65% | 2.82% | 2.44% | 2.98% | 2.82% | +17 bps | |
| Efficiency Ratio | 119.97% | 121.75% | 106.14% | 90.84% | 90.75% | -2,922 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 16.80% | 2.19% | 0.92% | -9.01% | -7.89% | -2,468 bps | |
| Loan Growth (YoY) | -15.02% | -11.33% | -9.77% | -8.89% | -12.13% | +289 bps | |
| Share Growth (YoY) | 24.24% | 5.81% | 3.61% | -8.59% | -8.45% | -3,269 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.63% | 4.49% | 2.55% | 3.52% | 2.77% | -86 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 5.22% | 6.25% | 6.36% | 7.07% | 6.60% | +138 bps | |
| Capital | |||||||
| Risk-Based Capital | 13.66% | 13.97% | 13.89% | 14.42% | 14.18% | +53 bps | |
| Net Worth / Assets | 13.66% | 13.97% | 13.89% | 14.42% | 14.18% | +53 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 25.02% | 26.53% | 25.67% | 26.08% | 24.01% | -101 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |