Waipahu, HI · Charter 3563
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.
Waipahu, HI · Charter 3563
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 | -0.53% | -3.12% | -2.61% | -2.65% | 0.14% | +68 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 | 3.42% | 4.13% | n/a | |
| Efficiency Ratio | n/a | n/a | n/a | 135.30% | 87.22% | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | -21.94% | -11.83% | -12.37% | 43.98% | 60.24% | +8,218 bps | |
| Loan Growth (YoY) | 1.41% | -3.69% | -5.45% | -21.25% | -28.04% | -2,945 bps | |
| Share Growth (YoY) | -23.02% | -4.08% | -2.99% | 74.29% | 96.07% | +11,909 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 16.43% | 15.97% | 14.45% | 8.96% | 8.09% | -835 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 8.15% | 8.42% | 10.50% | 10.80% | 12.09% | +393 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 | 81.70% | 67.08% | 67.21% | 32.48% | 29.99% | -5,171 bps | |
| Liquid Assets / Assets | 41.73% | 39.09% | 45.16% | 67.50% | 46.08% | +436 bps | |