Wahiawa, HI · Charter 2614
Q1 2014
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q1 2013 | Q2 2013 | Q3 2013 | Q4 2013 | Q1 2014 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| 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 Margin | 6.34% | 5.91% | 6.16% | 6.26% | 8.77% | +244 bps | |
| Efficiency Ratio | 75.25% | 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 / Loans | 11.93% | 9.71% | 9.57% | 8.59% | 5.97% | -596 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.42% | 6.08% | 7.14% | 6.79% | 7.78% | +536 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.87% | 7.17% | 7.42% | 7.51% | 10.16% | +228 bps | |
| Net Worth / Assets | 7.87% | 7.17% | 7.42% | 7.51% | 10.16% | +228 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 70.07% | 63.88% | 63.45% | 63.25% | 95.80% | +2,573 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |