Honolulu, HI · Charter 65857
Q1 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2010, the quarter ended March 31, 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 65857
Q1 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 | Q1 2009 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.50% | 1.83% | 1.37% | 1.07% | 0.22% | -28 bps | |
| Return on Equity | 4.48% | 15.69% | 11.88% | 9.44% | 1.97% | -252 bps | |
| Net Interest Margin | 3.06% | 2.98% | 2.96% | 2.87% | 2.59% | -46 bps | |
| Efficiency Ratio | 84.97% | 58.22% | 64.41% | 69.66% | 89.81% | +483 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 3.89% | 5.75% | 8.25% | 10.23% | 8.04% | +415 bps | |
| Loan Growth (YoY) | 6.09% | 5.03% | 2.87% | 2.25% | 7.67% | +158 bps | |
| Share Growth (YoY) | 5.49% | 6.85% | 9.95% | 12.51% | 8.13% | +264 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.35% | 0.32% | 0.30% | 0.20% | 0.17% | -18 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.23% | 0.18% | 0.17% | 0.15% | 0.20% | -4 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.20% | 11.66% | 11.54% | 11.29% | 11.37% | +17 bps | |
| Net Worth / Assets | 11.20% | 11.66% | 11.54% | 11.29% | 11.37% | +17 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 43.04% | 45.14% | 45.08% | 43.06% | 42.86% | -18 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |