Keaau, HI · Charter 2859
Q2 2000
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2000, the quarter ended June 30, 2000, 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.
Keaau, HI · Charter 2859
Q2 2000
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 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.72% | 2.32% | 2.32% | 0.21% | -0.77% | -349 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | 5.08% | 4.91% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 76.34% | 87.35% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -2.44% | 10.02% | 8.19% | 11.67% | 16.98% | +1,942 bps | |
| Loan Growth (YoY) | -2.75% | -11.87% | -22.17% | -19.82% | -12.46% | -970 bps | |
| Share Growth (YoY) | -2.16% | 11.06% | 10.66% | 11.87% | 19.25% | +2,141 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.24% | 3.10% | 1.68% | 1.21% | 1.93% | -32 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.01% | 1.05% | 1.78% | 1.57% | 2.23% | +122 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 78.51% | 69.98% | 60.59% | 63.01% | 57.64% | -2,087 bps | |
| Liquid Assets / Assets | 20.59% | 6.63% | 36.24% | 33.22% | 26.07% | +549 bps | |