Honolulu, HI · Charter 5927
NCUA · 1 branch
Q3 2017
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2017, the quarter ended September 30, 2017, 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.
Honolulu, HI · Charter 5927
NCUA · 1 branch
Q3 2017
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 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.10% | -0.06% | 0.07% | 0.09% | 0.00% | +10 bps | |
| Return on Equity | -1.30% | -0.81% | 0.93% | 1.28% | 0.02% | +133 bps | |
| Net Interest Margin | 2.17% | 2.15% | 2.12% | 1.94% | 2.02% | -15 bps | |
| Efficiency Ratio | 100.03% | 99.28% | 97.42% | 92.59% | 95.62% | -441 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.04% | 4.78% | 6.54% | 16.73% | 11.39% | +935 bps | |
| Loan Growth (YoY) | 21.97% | 23.85% | 41.39% | 21.12% | 18.29% | -368 bps | |
| Share Growth (YoY) | 2.27% | 5.38% | 7.20% | 18.28% | 12.40% | +1,013 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.37% | 0.60% | 0.56% | 0.63% | 0.62% | +24 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.59% | 0.61% | 0.52% | 0.54% | 0.48% | -11 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.66% | 7.59% | 7.33% | 6.72% | 6.89% | -77 bps | |
| Net Worth / Assets | 7.66% | 7.59% | 7.33% | 6.72% | 6.89% | -77 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 33.03% | 32.46% | 33.13% | 30.29% | 34.76% | +173 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |