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Kula Community

Kula, HI · Charter 9285

Q4 2013

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: Q4 2013, the quarter ended December 31, 2013, 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

Kula Community

Kula, HI · Charter 9285

Q4 2013

$41.2MAssets
$12.8MLoans
$36.8MShares
$4.4MNet Worth

Executive Summary

  • Earnings: ROA of -5.66%, down 568 bps year over year; NIM at 0.98%.
  • Asset quality: problem loans at 1.56% of loans (-1,115 bps YoY).
  • Capital: net worth / assets of 10.62%, down 497 bps from a year ago.
  • Funding: loans stand at 34.79% of shares as of Q4 2013.

Return on Assets (YTD, annualized)

-5.66%-568 bps YoY

Net Interest Margin (YTD, annualized)

0.98%-14 bps YoY

Efficiency Ratio (YTD, annualized)

295%+20,108 bps YoY

Net Worth / Assets

10.62%-497 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2012Q2 2012Q3 2012Q4 2012Q1 2013Q2 2013Q3 2013Q4 2013YoY ΔTrend
Earnings
Return on Assets0.19%0.13%0.45%0.02%-0.15%0.08%-6.49%-5.66%-568 bps
Return on Equity1.15%0.79%2.83%0.11%-1.58%0.89%-59.10%-53.33%-5,344 bps
Net Interest Margin1.48%1.35%1.60%1.11%1.21%1.49%1.20%0.98%-14 bps
Efficiency Ratio79.99%83.20%68.70%93.74%112.05%94.59%240%295%+20,108 bps
Growth
Asset Growth (YoY)5.49%9.11%7.33%7.13%3.46%-2.87%-2.26%-4.25%-1,138 bps
Loan Growth (YoY)-5.22%-3.67%-6.35%-5.72%-5.66%-10.22%-10.06%-14.92%-920 bps
Share Growth (YoY)6.59%11.04%8.35%8.53%12.17%4.49%3.32%1.22%-731 bps
Asset Quality
Delinquent Loans / Loans3.42%6.27%7.31%12.72%10.76%0.36%1.40%1.56%-1,115 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.43%0.54%0.57%0.59%17.03%16.82%10.33%11.02%+1,042 bps
Capital
Risk-Based Capital16.66%15.84%15.80%15.59%9.64%9.39%10.99%10.62%-497 bps
Net Worth / Assets16.66%15.84%15.80%15.59%9.64%9.39%10.99%10.62%-497 bps
Liquidity & Funding
Loans / Shares46.84%43.78%41.59%41.39%39.40%37.62%36.20%34.79%-660 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps