Honolulu, HI · Charter 2638
NCUA · 1 branch
Q3 2016
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Honolulu, HI · Charter 2638
NCUA · 1 branch
Q3 2016
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 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -0.50% | -0.71% | -0.63% | -0.61% | -0.53% | 0.01% | -0.51% | -0.40% | +21 bps | |
| Return on Equity | -2.66% | -3.74% | -3.23% | -3.10% | -2.69% | 0.06% | -2.62% | -2.08% | +102 bps | |
| Net Interest Margin | 1.70% | 1.80% | 1.86% | 1.90% | 1.97% | 2.10% | 2.00% | 1.87% | -4 bps | |
| Efficiency Ratio | 124.37% | 132.01% | 127.06% | 126.44% | 121.59% | 108.49% | 122.76% | 109.39% | -1,705 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -6.56% | -6.63% | -8.39% | -8.70% | -6.68% | -4.00% | -1.79% | -0.10% | +860 bps | |
| Loan Growth (YoY) | 11.17% | 13.43% | 29.52% | 28.16% | 33.03% | 20.91% | -7.48% | -25.24% | -5,341 bps | |
| Share Growth (YoY) | -7.43% | -7.63% | -9.93% | -10.20% | -7.87% | -4.78% | -1.83% | 0.44% | +1,063 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.30% | 0.04% | 0.21% | 0.18% | 0.18% | 0.04% | 0.52% | 0.77% | +59 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.58% | 0.43% | 0.40% | 0.38% | 0.38% | 0.26% | 0.58% | 1.02% | +64 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.89% | 19.09% | 19.64% | 19.54% | 19.71% | 19.55% | 19.53% | 19.19% | -35 bps | |
| Net Worth / Assets | 18.89% | 19.09% | 19.64% | 19.54% | 19.71% | 19.55% | 19.53% | 19.19% | -35 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 28.14% | 27.46% | 33.54% | 36.73% | 40.63% | 34.87% | 31.61% | 27.34% | -939 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |