Honolulu, HI · Charter 6162
Q4 1998
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 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 1.68% | 0.44% | -7.11% | -5.36% | -488% | -48,969 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 | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -16.28% | -22.62% | -34.44% | -50.27% | -99.59% | -8,330 bps | |
| Loan Growth (YoY) | -22.83% | -31.34% | -57.15% | -56.19% | -100.00% | -7,717 bps | |
| Share Growth (YoY) | -17.33% | -25.06% | -32.38% | -49.89% | -100.00% | -8,267 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 3.44% | 21.26% | 42.08% | 41.88% | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 3.44% | 4.26% | 20.52% | 30.27% | n/a | n/a | |
| 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 | 67.07% | 63.02% | 54.49% | 60.59% | n/a | n/a | |
| Liquid Assets / Assets | 33.80% | 39.13% | 46.78% | 52.56% | 0.00% | -3,380 bps | |