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PWC

Honolulu, HI · Charter 7521

Q3 2015

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: Q3 2015, the quarter ended September 30, 2015, 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

PWC

Honolulu, HI · Charter 7521

Q3 2015

$27.5MAssets
$6.3MLoans
$24.3MShares
$3.1MNet Worth

Executive Summary

  • Earnings: ROA of 0.10%, up 20 bps year over year; NIM at 2.29%.
  • Asset quality: problem loans at 0.86% of loans (+81 bps YoY).
  • Capital: net worth / assets of 11.38%, up 92 bps from a year ago.
  • Funding: loans stand at 25.85% of shares as of Q3 2015.

Return on Assets (YTD, annualized)

0.10%+20 bps YoY

Net Interest Margin (YTD, annualized)

2.29%+43 bps YoY

Efficiency Ratio (YTD, annualized)

92.82%-1,377 bps YoY

Net Worth / Assets

11.38%+92 bps YoY

Year to date, annualized, through each quarter.

MetricQ4 2013Q1 2014Q2 2014Q3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets-0.58%0.08%-0.16%-0.11%-0.07%0.11%0.09%0.10%+20 bps
Return on Equity-5.82%0.83%-1.54%-1.01%-0.68%1.00%0.82%0.86%+188 bps
Net Interest Margin1.73%1.73%1.79%1.85%1.93%2.17%2.16%2.29%+43 bps
Efficiency Ratio121.10%110.86%110.42%106.59%101.75%90.89%93.78%92.82%-1,377 bps
Growth
Asset Growth (YoY)-5.93%-4.00%-4.65%-4.12%-7.20%-7.53%-4.75%-7.38%-326 bps
Loan Growth (YoY)-16.35%-11.92%-0.42%12.65%29.38%40.92%34.09%22.88%+1,023 bps
Share Growth (YoY)-5.66%-4.07%-4.91%-4.48%-7.93%-8.31%-5.39%-8.41%-394 bps
Asset Quality
Delinquent Loans / Loans0.11%0.56%0.07%0.05%0.44%0.35%0.87%0.86%+81 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans1.95%1.56%1.29%1.17%1.28%1.16%1.10%1.12%-5 bps
Capital
Risk-Based Capital9.96%10.09%10.31%10.47%10.68%10.84%10.88%11.38%+92 bps
Net Worth / Assets9.96%10.09%10.31%10.47%10.68%10.84%10.88%11.38%+92 bps
Liquidity & Funding
Loans / Shares16.13%15.40%17.06%19.27%22.67%23.67%24.19%25.85%+658 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps