Honolulu, HI · Charter 7627
Q1 2007
Board Package
Performance Trends and Peer Comparison
Quarter: Q1 2007, the quarter ended March 31, 2007, 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 7627
Q1 2007
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 | Q1 2006 | Q2 2006 | Q3 2006 | Q4 2006 | Q1 2007 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.16% | 0.02% | 0.12% | 0.18% | -6.76% | -661 bps | |
| Return on Equity | -1.40% | 0.21% | 1.01% | 1.56% | -64.43% | -6,303 bps | |
| Net Interest Margin | 4.05% | 4.13% | 4.28% | 4.35% | 5.06% | +101 bps | |
| Efficiency Ratio | 103.76% | 99.45% | 97.34% | 95.92% | 182.03% | +7,827 bps | |
| Growth | |||||||
| Asset Growth (YoY) | -0.35% | -2.32% | -4.72% | -5.77% | -6.44% | -609 bps | |
| Loan Growth (YoY) | -0.26% | -7.93% | -4.19% | -5.01% | -4.81% | -454 bps | |
| Share Growth (YoY) | -1.06% | -3.09% | -7.93% | -6.92% | -5.55% | -448 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.43% | 1.34% | 1.50% | 1.60% | 1.26% | -18 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.61% | 0.68% | 0.64% | 0.66% | 2.05% | +144 bps | |
| Capital | |||||||
| Risk-Based Capital | 11.19% | 11.31% | 11.53% | 11.75% | 10.50% | -69 bps | |
| Net Worth / Assets | 11.19% | 11.31% | 11.53% | 11.75% | 10.50% | -69 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 49.87% | 46.64% | 51.60% | 49.47% | 50.26% | +39 bps | |
| Liquid Assets / Assets | 17.57% | 0.00% | 0.00% | 0.00% | 0.00% | -1,757 bps | |