Honolulu, HI · Charter 7029
Q3 2012
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2012, the quarter ended September 30, 2012, 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 7029
Q3 2012
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 | Q3 2011 | Q4 2011 | Q1 2012 | Q2 2012 | Q3 2012 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -2.88% | -3.78% | 0.43% | 0.28% | 0.17% | +305 bps | |
| Return on Equity | -37.10% | -44.54% | 4.81% | 3.06% | 1.72% | +3,882 bps | |
| Net Interest Margin | 4.04% | 4.71% | 4.37% | 4.30% | 4.36% | +32 bps | |
| Efficiency Ratio | 111.92% | 113.42% | 90.36% | 89.02% | 93.04% | -1,888 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 50.45% | -31.22% | -27.39% | -25.36% | -29.17% | -7,962 bps | |
| Loan Growth (YoY) | 53.75% | -31.50% | -24.03% | -20.26% | -17.12% | -7,086 bps | |
| Share Growth (YoY) | 63.50% | -29.93% | -26.93% | -25.62% | -30.45% | -9,396 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 5.41% | 6.13% | 8.15% | 3.79% | 4.54% | -87 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 4.33% | 5.84% | 6.46% | 6.21% | 6.68% | +235 bps | |
| Capital | |||||||
| Risk-Based Capital | 7.76% | 8.49% | 8.94% | 9.20% | 9.75% | +199 bps | |
| Net Worth / Assets | 7.76% | 8.49% | 8.94% | 9.20% | 9.75% | +199 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 53.00% | 63.38% | 62.59% | 61.88% | 63.16% | +1,016 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |