Honolulu, HI · Charter 63755
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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 63755
Q3 2010
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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.32% | -0.26% | 0.06% | 0.32% | 0.42% | +74 bps | |
| Return on Equity | -3.46% | -2.89% | 0.69% | 3.61% | 4.66% | +812 bps | |
| Net Interest Margin | 3.16% | 3.23% | 3.36% | 3.27% | 3.11% | -5 bps | |
| Efficiency Ratio | 78.96% | 76.87% | 75.97% | 68.36% | 69.38% | -958 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 13.02% | 16.37% | 13.34% | 14.43% | 7.99% | -503 bps | |
| Loan Growth (YoY) | -4.73% | -5.63% | -2.21% | -2.47% | -4.91% | -18 bps | |
| Share Growth (YoY) | 14.61% | 18.82% | 15.29% | 15.05% | 8.15% | -646 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.74% | 0.44% | 0.82% | 0.83% | 0.30% | -44 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.13% | 1.38% | 1.50% | 1.52% | 1.49% | +36 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.20% | 9.07% | 9.42% | 8.94% | 9.05% | -16 bps | |
| Net Worth / Assets | 9.20% | 9.07% | 9.42% | 8.94% | 9.05% | -16 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 50.78% | 48.86% | 51.17% | 46.68% | 44.65% | -613 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |