Honolulu, HI · Charter 2941
Q3 2012
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 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.22% | -0.13% | 0.23% | 0.19% | -5.23% | -501 bps | |
| Return on Equity | -3.16% | -1.84% | 3.32% | 2.72% | -155.64% | -15,248 bps | |
| Net Interest Margin | 3.20% | 3.28% | 2.95% | 2.81% | 2.80% | -41 bps | |
| Efficiency Ratio | 109.02% | 103.50% | 92.95% | 93.90% | 229% | +11,999 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.63% | -0.92% | -0.62% | -3.46% | -4.58% | -521 bps | |
| Loan Growth (YoY) | 66.90% | 8.66% | -21.96% | -24.40% | -56.93% | -12,383 bps | |
| Share Growth (YoY) | 2.06% | -0.69% | -0.65% | -3.70% | -3.47% | -553 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.22% | 1.14% | 1.25% | 1.04% | 1.64% | +42 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.34% | 0.50% | 0.65% | 0.50% | 1.29% | +95 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.91% | 7.02% | 7.08% | 7.14% | 3.36% | -355 bps | |
| Net Worth / Assets | 6.91% | 7.02% | 7.08% | 7.14% | 3.36% | -355 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 53.62% | 50.62% | 46.52% | 45.35% | 23.93% | -2,969 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |