Major Rating Factors:
Fair current capitalization (4.7 on a scale of 0 to 10) based on a net capital to total assets of 7.0 and a net worth ratio of 9.0. Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.5 has resulted in Fair (4.4) profitability.
Other Rating Factors:
A current level of 1.6 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0). Good liquidity 5.4, driven by a liquidity ratio of 25.0 percent and a “hot money” ratio of 16.3 percent.
Asset Mix:
Consumer loans (16%), home mtgs (12%), other (72%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
160 Pa'ahana Street
Kahului, HI 96732
Kahului, HI 96732
Phone Number
(808) 877-3232
NCUA Charter Number
Website
Largest Competitors
Honolulu, HI
Honolulu, HI
Kahului, HI
Kahului, HI
Kahului, HI