Honolulu, HI · Charter 9862
Q3 2010
Board Package
Performance Trends and Peer Comparison
Quarter: Q3 2010, the quarter ended September 30, 2010, 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 9862
Q3 2010
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 | Q2 2009 | Q3 2009 | Q4 2009 | Q1 2010 | Q3 2010 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -1.51% | -1.17% | -1.02% | -1.08% | -5.55% | -405 bps | |
| Return on Equity | -24.16% | -17.96% | -16.64% | -18.68% | -232% | -20,794 bps | |
| Net Interest Margin | 3.60% | 3.72% | 3.45% | 2.72% | 2.60% | -101 bps | |
| Efficiency Ratio | 133.08% | 101.45% | 105.00% | 130.32% | 230% | +9,674 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.60% | 1.74% | 3.29% | 1.07% | -8.54% | -1,113 bps | |
| Loan Growth (YoY) | -28.15% | -20.61% | -20.29% | -4.40% | -18.63% | +952 bps | |
| Share Growth (YoY) | 3.94% | 2.63% | 4.80% | 1.54% | -4.89% | -883 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 2.71% | 3.17% | 3.04% | 3.01% | 1.98% | -73 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.71% | 0.48% | 0.55% | 0.66% | 5.15% | +444 bps | |
| Capital | |||||||
| Risk-Based Capital | 6.24% | 6.52% | 6.14% | 5.78% | 2.39% | -385 bps | |
| Net Worth / Assets | 6.24% | 6.52% | 6.14% | 5.78% | 2.39% | -385 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 33.24% | 35.77% | 33.72% | 31.48% | 28.44% | -480 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 98.59% | 0.00% | 0.00% | 0 bps | |