Kekaha, HI · Charter 2578
NCUA · 1 branch
Q2 2018
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2018, the quarter ended June 30, 2018, 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.
Kekaha, HI · Charter 2578
NCUA · 1 branch
Q2 2018
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 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | Q2 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.26% | 0.72% | 0.66% | -1.26% | -0.60% | -86 bps | |
| Return on Equity | 1.33% | 3.50% | 3.18% | -6.26% | -2.98% | -431 bps | |
| Net Interest Margin | 2.40% | 2.62% | 2.58% | 2.49% | 2.53% | +13 bps | |
| Efficiency Ratio | 80.57% | 75.19% | 77.21% | 148.26% | 123.87% | +4,330 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.94% | -0.99% | -0.17% | 0.05% | -1.88% | -582 bps | |
| Loan Growth (YoY) | -7.05% | -9.19% | -10.62% | -5.68% | -8.82% | -177 bps | |
| Share Growth (YoY) | 6.67% | -0.31% | 1.73% | -0.09% | -2.88% | -955 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.11% | 4.20% | 5.47% | 6.66% | 3.76% | +165 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.03% | 2.04% | 2.09% | 1.95% | 1.76% | -27 bps | |
| Capital | |||||||
| Risk-Based Capital | 19.51% | 20.67% | 20.86% | 20.19% | 20.10% | +59 bps | |
| Net Worth / Assets | 19.51% | 20.67% | 20.86% | 20.19% | 20.10% | +59 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 74.19% | 73.39% | 71.62% | 70.77% | 69.65% | -454 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |