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Tesoro Hawaii

Honolulu, HI · Charter 5368

Q4 2014

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 2014, the quarter ended December 31, 2014, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Tesoro Hawaii

Honolulu, HI · Charter 5368

Q4 2014

$7.7MAssets
$3.4MLoans
$7.2MShares
$471KNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -2.57%, down 66 bps year over year; NIM at 2.46%.
  • Asset quality: problem loans at 0.23% of loans (-8 bps YoY).
  • Capital: net worth / assets of 6.13%, down 209 bps from a year ago.
  • Funding: loans stand at 47.15% of shares as of Q4 2014.

Financial Results

Return on Assets (YTD, annualized)

-2.57%-66 bps YoY

Net Interest Margin (YTD, annualized)

2.46%+43 bps YoY

Efficiency Ratio (YTD, annualized)

191.11%+631 bps YoY

Net Worth / Assets

6.13%-209 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014YoY ΔTrend
Earnings
Return on Assets-1.91%-0.95%-1.04%-1.11%-2.57%-66 bps
Return on Equity-23.19%-11.32%-13.01%-14.81%-41.93%-1,873 bps
Net Interest Margin2.04%2.54%2.44%2.36%2.46%+43 bps
Efficiency Ratio184.80%134.21%139.06%140.74%191.11%+631 bps
Growth
Asset Growth (YoY)9.10%-1.76%-4.41%1.71%-5.51%-1,461 bps
Loan Growth (YoY)22.99%21.41%22.55%-0.61%-0.64%-2,363 bps
Share Growth (YoY)12.61%-0.18%-3.47%3.32%-3.29%-1,589 bps
Asset Quality
Delinquent Loans / Loans0.31%0.00%0.83%0.23%0.23%-8 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.08%1.13%0.99%0.92%0.85%-23 bps
Capital
Risk-Based Capital8.22%8.35%8.02%7.50%6.13%-209 bps
Net Worth / Assets8.22%8.35%8.02%7.50%6.13%-209 bps
Liquidity & Funding
Loans / Shares45.89%46.19%45.35%44.15%47.15%+125 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps