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Honea

Fort Shafter, HI · Charter 7594

NCUA · 1 branch

Q3 2021

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 2021, the quarter ended September 30, 2021, 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

Honea

Fort Shafter, HI · Charter 7594

NCUA · 1 branch

Q3 2021

$20.7MAssets
$7.0MLoans
$18.6MShares
$1.7MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -2.81%, down 236 bps year over year; NIM at 1.69%.
  • Asset quality: problem loans at 0.38% of loans (-327 bps YoY).
  • Capital: net worth / assets of 8.43%, down 192 bps from a year ago.
  • Funding: loans stand at 37.54% of shares as of Q3 2021.

Financial Results

Return on Assets (YTD, annualized)

-2.81%-236 bps YoY

Net Interest Margin (YTD, annualized)

1.69%-24 bps YoY

Efficiency Ratio (YTD, annualized)

262%+14,754 bps YoY

Net Worth / Assets

8.43%-192 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2020Q4 2020Q1 2021Q2 2021Q3 2021YoY ΔTrend
Earnings
Return on Assets-0.45%-0.45%-0.50%-0.63%-2.81%-236 bps
Return on Equity-4.35%-4.42%-4.98%-6.13%-33.37%-2,903 bps
Net Interest Margin1.93%1.89%1.75%1.78%1.69%-24 bps
Efficiency Ratio114.56%117.13%128.26%137.65%262%+14,754 bps
Growth
Asset Growth (YoY)8.07%5.05%5.56%-1.69%-2.87%-1,093 bps
Loan Growth (YoY)-5.08%-2.58%-6.11%-19.04%-21.61%-1,654 bps
Share Growth (YoY)9.59%6.19%6.49%-1.17%-2.57%-1,216 bps
Asset Quality
Delinquent Loans / Loans3.64%4.09%3.91%0.40%0.38%-327 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.51%0.53%0.56%0.52%0.57%+5 bps
Capital
Risk-Based Capital10.35%10.30%10.03%10.24%8.43%-192 bps
Net Worth / Assets10.35%10.30%10.03%10.24%8.43%-192 bps
Liquidity & Funding
Loans / Shares46.66%45.39%42.02%41.24%37.54%-912 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps