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Dole Wahiawa

Wahiawa, HI · Charter 2614

Q1 2014

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: Q1 2014, the quarter ended March 31, 2014, 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

Dole Wahiawa

Wahiawa, HI · Charter 2614

Q1 2014

$1.4MAssets
$1.2MLoans
$1.2MShares
$138KNet 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 -11.29%, up 346 bps year over year; NIM at 8.77%.
  • Asset quality: problem loans at 5.97% of loans (-596 bps YoY).
  • Capital: net worth / assets of 10.16%, up 228 bps from a year ago.
  • Funding: loans stand at 95.80% of shares as of Q1 2014.

Financial Results

Return on Assets (YTD, annualized)

-11.29%+346 bps YoY

Net Interest Margin (YTD, annualized)

8.77%+244 bps YoY

Efficiency Ratio (YTD, annualized)

191.81%+11,657 bps YoY

Net Worth / Assets

10.16%+228 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2013Q2 2013Q3 2013Q4 2013Q1 2014YoY ΔTrend
Earnings
Return on Assets-14.75%-10.72%-6.86%-5.86%-11.29%+346 bps
Return on Equity-187.42%-149.46%-92.45%-78.01%-111.17%+7,625 bps
Net Interest Margin6.34%5.91%6.16%6.26%8.77%+244 bps
Efficiency Ratio75.25%79.92%88.40%93.55%191.81%+11,657 bps
Growth
Asset Growth (YoY)-8.26%-4.30%-12.21%-16.21%-50.42%-4,216 bps
Loan Growth (YoY)-22.41%-24.48%-27.25%-28.85%-34.89%-1,248 bps
Share Growth (YoY)-1.72%1.43%-8.62%-12.73%-52.38%-5,066 bps
Asset Quality
Delinquent Loans / Loans11.93%9.71%9.57%8.59%5.97%-596 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans2.42%6.08%7.14%6.79%7.78%+536 bps
Capital
Risk-Based Capital7.87%7.17%7.42%7.51%10.16%+228 bps
Net Worth / Assets7.87%7.17%7.42%7.51%10.16%+228 bps
Liquidity & Funding
Loans / Shares70.07%63.88%63.45%63.25%95.80%+2,573 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps