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Board of Water Supply

Honolulu, HI · Charter 2638

NCUA · 1 branch

Q3 2016

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: Q3 2016, the quarter ended September 30, 2016, 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

Board of Water Supply

Honolulu, HI · Charter 2638

NCUA · 1 branch

Q3 2016

$15.6MAssets
$3.4MLoans
$12.6MShares
$3.0MNet 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 -0.40%, up 21 bps year over year; NIM at 1.87%.
  • Asset quality: problem loans at 0.77% of loans (+59 bps YoY).
  • Capital: net worth / assets of 19.19%, down 35 bps from a year ago.
  • Funding: loans stand at 27.34% of shares as of Q3 2016.

Financial Results

Return on Assets (YTD, annualized)

-0.40%+21 bps YoY

Net Interest Margin (YTD, annualized)

1.87%-4 bps YoY

Efficiency Ratio (YTD, annualized)

109.39%-1,705 bps YoY

Net Worth / Assets

19.19%-35 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2015Q4 2015Q1 2016Q2 2016Q3 2016YoY ΔTrend
Earnings
Return on Assets-0.61%-0.53%0.01%-0.51%-0.40%+21 bps
Return on Equity-3.10%-2.69%0.06%-2.62%-2.08%+102 bps
Net Interest Margin1.90%1.97%2.10%2.00%1.87%-4 bps
Efficiency Ratio126.44%121.59%108.49%122.76%109.39%-1,705 bps
Growth
Asset Growth (YoY)-8.70%-6.68%-4.00%-1.79%-0.10%+860 bps
Loan Growth (YoY)28.16%33.03%20.91%-7.48%-25.24%-5,341 bps
Share Growth (YoY)-10.20%-7.87%-4.78%-1.83%0.44%+1,063 bps
Asset Quality
Delinquent Loans / Loans0.18%0.18%0.04%0.52%0.77%+59 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.38%0.38%0.26%0.58%1.02%+64 bps
Capital
Risk-Based Capital19.54%19.71%19.55%19.53%19.19%-35 bps
Net Worth / Assets19.54%19.71%19.55%19.53%19.19%-35 bps
Liquidity & Funding
Loans / Shares36.73%40.63%34.87%31.61%27.34%-939 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps