Honolulu, HI · Charter 6663
NCUA · 1 branch
Q2 2016
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 | Q3 2014 | Q4 2014 | Q1 2015 | Q2 2015 | Q3 2015 | Q4 2015 | Q1 2016 | Q2 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| 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 Margin | 1.30% | 1.41% | 1.54% | 1.47% | 1.53% | 1.60% | 1.72% | -9.43% | -1,091 bps | |
| Efficiency Ratio | 241% | 230% | 272% | 238% | 223% | 206% | 250% | n/a | n/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 / Loans | 0.50% | 0.45% | 0.42% | 0.34% | 0.33% | 0.33% | 0.00% | 0.00% | -34 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.56% | 0.50% | 0.48% | 0.41% | 0.39% | 0.39% | 0.11% | 0.13% | -28 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 15.80% | 16.52% | 16.51% | 15.31% | 14.84% | 14.42% | 14.19% | 10.11% | -520 bps | |
| Net Worth / Assets | 15.80% | 16.52% | 16.51% | 15.31% | 14.84% | 14.42% | 14.19% | 10.11% | -520 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 25.99% | 31.29% | 33.92% | 37.23% | 38.49% | 37.88% | 36.47% | 35.57% | -166 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |