Honolulu, HI · Charter 4676
NCUA · 2 branches
Q3 2019
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 2017 | Q1 2018 | Q2 2018 | Q3 2018 | Q4 2018 | Q1 2019 | Q2 2019 | Q3 2019 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | -1.02% | 0.24% | -0.02% | 0.09% | -0.05% | -0.53% | -0.10% | -13.29% | -1,338 bps | |
| Return on Equity | -11.84% | 2.76% | -0.22% | 0.98% | -0.49% | -5.76% | -1.08% | n/a | n/a | |
| Net Interest Margin | 3.18% | 3.09% | 3.12% | 3.23% | 3.31% | 3.13% | 3.23% | 3.08% | -15 bps | |
| Efficiency Ratio | 105.67% | 102.30% | 102.03% | 97.59% | 100.14% | 105.35% | 100.79% | 419% | +32,178 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.65% | -2.75% | -5.08% | -5.56% | -9.10% | -7.67% | -6.94% | 1.07% | +663 bps | |
| Loan Growth (YoY) | -2.25% | -1.22% | -2.08% | -0.14% | -6.92% | -7.28% | -6.18% | -7.72% | -757 bps | |
| Share Growth (YoY) | 1.51% | -1.77% | -6.36% | -4.19% | -7.68% | -8.09% | -9.41% | -11.11% | -691 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.11% | 0.86% | 1.21% | 1.41% | 2.51% | 0.83% | 0.22% | 1.72% | +31 bps | |
| Net Charge-Offs / Loans | 1.19% | 1.06% | 1.03% | 1.01% | 1.02% | 0.94% | 0.94% | 0.94% | -7 bps | |
| Allowance / Loans | 0.55% | 0.54% | 0.44% | 0.45% | 0.52% | 0.48% | 0.38% | 0.40% | -5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 8.60% | 8.68% | 8.77% | 9.20% | 9.42% | 9.16% | 9.33% | -0.98% | -1,018 bps | |
| Net Worth / Assets | 8.60% | 8.68% | 8.77% | 9.20% | 9.42% | 9.16% | 9.33% | -0.98% | -1,018 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 78.99% | 76.55% | 76.22% | 77.04% | 79.64% | 77.22% | 78.94% | 79.97% | +294 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |