Honolulu, HI · Charter 7510
Q2 2009
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2009, the quarter ended June 30, 2009, 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 7510
Q2 2009
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 | Q2 2008 | Q3 2008 | Q4 2008 | Q1 2009 | Q2 2009 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.40% | -1.31% | -1.30% | -1.49% | -0.35% | +105 bps | |
| Return on Equity | -10.93% | -10.72% | -10.04% | -14.92% | -3.32% | +761 bps | |
| Net Interest Margin | 3.32% | 3.18% | 3.43% | 2.67% | 2.59% | -73 bps | |
| Efficiency Ratio | 141.27% | 140.15% | 137.09% | 151.61% | 108.93% | -3,235 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 6.79% | 10.13% | 7.80% | 13.00% | -2.29% | -908 bps | |
| Loan Growth (YoY) | -26.47% | -18.80% | -23.99% | -16.72% | -11.22% | +1,525 bps | |
| Share Growth (YoY) | 7.16% | 13.29% | 10.28% | 18.70% | -1.38% | -855 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.28% | 4.81% | 2.60% | 3.61% | 7.02% | +574 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 2.67% | 2.61% | 2.84% | 2.96% | 3.00% | +34 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.79% | 12.18% | 12.95% | 9.97% | 10.53% | -226 bps | |
| Net Worth / Assets | 12.79% | 12.18% | 12.95% | 9.97% | 10.53% | -226 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 28.80% | 28.53% | 28.76% | 25.14% | 25.93% | -287 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |