Barbers Point, HI · Charter 5978
NCUA · 2 branches
Q1 2018
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| Metric | Q2 2016 | Q3 2016 | Q4 2016 | Q1 2017 | Q2 2017 | Q3 2017 | Q4 2017 | Q1 2018 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.54% | 0.60% | 0.72% | 0.78% | 0.86% | 0.92% | -4.68% | -3.31% | -409 bps | |
| Return on Equity | 5.59% | 5.32% | 4.98% | 6.34% | 6.66% | 6.46% | -52.43% | -40.09% | -4,643 bps | |
| Net Interest Margin | 1.78% | 2.03% | 2.59% | 2.17% | 2.33% | 2.57% | -2.92% | 2.62% | +44 bps | |
| Efficiency Ratio | 79.52% | 79.16% | 79.86% | 77.60% | 75.75% | 75.53% | n/a | 145.34% | +6,774 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 39.63% | 26.62% | -5.68% | 10.14% | -20.58% | -15.84% | 6.06% | -13.08% | -2,322 bps | |
| Loan Growth (YoY) | 0.85% | -2.51% | 16.74% | 20.29% | 25.61% | 26.13% | 4.82% | 5.58% | -1,471 bps | |
| Share Growth (YoY) | 46.13% | 30.19% | -7.59% | -0.79% | -32.36% | -19.28% | 13.87% | 2.41% | +319 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.69% | 1.92% | 1.94% | 1.03% | 1.24% | 1.87% | 1.73% | 1.00% | -3 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.23% | 3.27% | 2.63% | 2.34% | 2.46% | 2.76% | 2.44% | 2.61% | +27 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 9.74% | 11.29% | 14.43% | 12.24% | 12.98% | 14.24% | 8.93% | 8.26% | -398 bps | |
| Net Worth / Assets | 9.74% | 11.29% | 14.43% | 12.24% | 12.98% | 14.24% | 8.93% | 8.26% | -398 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 16.31% | 18.83% | 30.02% | 27.62% | 30.29% | 29.42% | 27.64% | 28.48% | +86 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |