Fort Shafter, HI · Charter 7594
NCUA · 1 branch
Q3 2021
Board Package
Performance Trends and Peer Comparison
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.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Fort Shafter, HI · Charter 7594
NCUA · 1 branch
Q3 2021
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 | Q4 2019 | Q1 2020 | Q2 2020 | Q3 2020 | Q4 2020 | Q1 2021 | Q2 2021 | Q3 2021 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.26% | -0.77% | -0.40% | -0.45% | -0.45% | -0.50% | -0.63% | -2.81% | -236 bps | |
| Return on Equity | 2.26% | -7.00% | -3.79% | -4.35% | -4.42% | -4.98% | -6.13% | -33.37% | -2,903 bps | |
| Net Interest Margin | 2.73% | 1.78% | 2.05% | 1.93% | 1.89% | 1.75% | 1.78% | 1.69% | -24 bps | |
| Efficiency Ratio | 88.22% | 136.85% | 114.64% | 114.56% | 117.13% | 128.26% | 137.65% | 262% | +14,754 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -3.15% | 0.25% | 4.60% | 8.07% | 5.05% | 5.56% | -1.69% | -2.87% | -1,093 bps | |
| Loan Growth (YoY) | -11.49% | -9.98% | -1.30% | -5.08% | -2.58% | -6.11% | -19.04% | -21.61% | -1,654 bps | |
| Share Growth (YoY) | -3.62% | 0.42% | 5.46% | 9.59% | 6.19% | 6.49% | -1.17% | -2.57% | -1,216 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 4.23% | 4.17% | 3.47% | 3.64% | 4.09% | 3.91% | 0.40% | 0.38% | -327 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 | 0.64% | 0.61% | 0.33% | 0.51% | 0.53% | 0.56% | 0.52% | 0.57% | +5 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.31% | 11.00% | 10.64% | 10.35% | 10.30% | 10.03% | 10.24% | 8.43% | -192 bps | |
| Net Worth / Assets | 11.31% | 11.00% | 10.64% | 10.35% | 10.30% | 10.03% | 10.24% | 8.43% | -192 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 49.48% | 47.66% | 50.35% | 46.66% | 45.39% | 42.02% | 41.24% | 37.54% | -912 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |