PackageTrendsPeer
Letter portraitLegal landscape

Credit Union of Hawaii

Hilo, HI · Charter 63807

Q3 1999

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: Q3 1999, the quarter ended September 30, 1999, 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

Credit Union of Hawaii

Hilo, HI · Charter 63807

Q3 1999

$95.0MAssets
$60.3MLoans
$80.6MShares
n/aNet 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 0.94%, down 356 bps year over year; NIM at 3.30%.
  • Asset quality: problem loans at 0.74% of loans (-16 bps YoY).
  • Funding: loans stand at 74.80% of shares as of Q3 1999.

Financial Results

Return on Assets (YTD, annualized)

0.94%-356 bps YoY

Net Interest Margin (YTD, annualized)

3.30%

Efficiency Ratio (YTD, annualized)

67.47%

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

MetricQ3 1998Q4 1998Q1 1999Q2 1999Q3 1999YoY ΔTrend
Earnings
Return on Assets4.50%4.45%4.42%4.24%0.94%-356 bps
Return on Equityn/an/an/an/an/an/an/a
Net Interest Marginn/an/an/an/a3.30%n/an/a
Efficiency Ration/an/an/an/a67.47%n/an/a
Growth
Asset Growth (YoY)4.92%5.77%7.32%8.70%10.56%+565 bps
Loan Growth (YoY)12.24%6.30%4.27%6.69%17.63%+540 bps
Share Growth (YoY)4.62%5.82%6.24%7.90%8.31%+369 bps
Asset Quality
Delinquent Loans / Loans0.90%0.89%0.68%0.49%0.74%-16 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.84%0.79%0.78%0.74%0.70%-14 bps
Capital
Risk-Based Capitaln/an/an/an/an/an/an/a
Net Worth / Assetsn/an/an/an/an/an/an/a
Liquidity & Funding
Loans / Shares68.87%66.44%66.38%66.37%74.80%+593 bps
Liquid Assets / Assets20.35%23.88%13.45%17.71%12.93%-742 bps