Honolulu, HI · Charter 9626
Q4 1998
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 1998, the quarter ended December 31, 1998, 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 9626
Q4 1998
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 | Q4 1996 | Q2 1997 | Q4 1997 | Q2 1998 | Q4 1998 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 3.79% | 3.32% | 3.59% | 3.15% | 3.23% | -56 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Interest Margin | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Efficiency Ratio | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Growth | |||||||
| Asset Growth (YoY) | -1.26% | 3.91% | 4.45% | 3.62% | 4.78% | +605 bps | |
| Loan Growth (YoY) | 18.53% | 12.07% | 2.42% | -4.61% | -10.78% | -2,931 bps | |
| Share Growth (YoY) | -2.35% | 4.69% | 5.67% | 2.93% | 4.57% | +692 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.84% | 2.76% | 2.86% | 0.77% | 0.00% | -84 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.19% | 1.31% | 1.46% | 1.58% | 1.33% | +14 bps | |
| Capital | |||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Liquidity & Funding | |||||||
| Loans / Shares | 28.92% | 25.70% | 22.82% | 21.07% | 24.68% | -425 bps | |
| Liquid Assets / Assets | 38.76% | 37.13% | 50.62% | 50.84% | 51.20% | +1,244 bps | |