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Oral

Honolulu, HI · Charter 6663

NCUA · 1 branch

Q2 2016

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: Q2 2016, the quarter ended June 30, 2016, 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

Oral

Honolulu, HI · Charter 6663

NCUA · 1 branch

Q2 2016

$2.1MAssets
$662KLoans
$1.9MShares
$210KNet Worth

Executive Summary

  • Earnings: ROA of -13.84%, down 1,179 bps year over year; NIM at -9.43%.
  • Asset quality: problem loans at 0.00% of loans (-34 bps YoY).
  • Capital: net worth / assets of 10.11%, down 520 bps from a year ago.
  • Funding: loans stand at 35.57% of shares as of Q2 2016.

Return on Assets (YTD, annualized)

-13.84%-1,179 bps YoY

Net Interest Margin (YTD, annualized)

-9.43%-1,091 bps YoY

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

10.11%-520 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015Q4 2015Q1 2016Q2 2016YoY ΔTrend
Earnings
Return on Assets-1.84%-1.84%-2.66%-2.05%-1.89%-1.70%-2.58%-13.84%-1,179 bps
Return on Equity-11.62%-11.16%-16.13%-13.38%-12.71%-11.76%-18.20%-136.85%-12,347 bps
Net Interest Margin1.30%1.41%1.54%1.47%1.53%1.60%1.72%-9.43%-1,091 bps
Efficiency Ratio241%230%272%238%223%206%250%n/an/a
Growth
Asset Growth (YoY)1.75%-2.67%-6.99%-3.88%-4.92%2.50%3.59%-14.19%-1,030 bps
Loan Growth (YoY)13.91%15.15%22.62%48.79%42.41%27.18%14.48%-12.98%-6,177 bps
Share Growth (YoY)4.29%-1.06%-6.26%-2.54%-3.83%5.05%6.48%-8.93%-640 bps
Asset Quality
Delinquent Loans / Loans0.50%0.45%0.42%0.34%0.33%0.33%0.00%0.00%-34 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.56%0.50%0.48%0.41%0.39%0.39%0.11%0.13%-28 bps
Capital
Risk-Based Capital15.80%16.52%16.51%15.31%14.84%14.42%14.19%10.11%-520 bps
Net Worth / Assets15.80%16.52%16.51%15.31%14.84%14.42%14.19%10.11%-520 bps
Liquidity & Funding
Loans / Shares25.99%31.29%33.92%37.23%38.49%37.88%36.47%35.57%-166 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps