Major Rating Factors:
Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.8 has resulted in Fair (4.1) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.3 on a scale of 0 to 10).
Other Rating Factors:
A current level of 3.2 percent of nonperforming loans to core capital combined with 1.3 percent from a year earlier contributes to the Excellent asset quality (9.2). Good liquidity 5.6, driven by a liquidity ratio of 24.0 percent and a “hot money” ratio of 9.8 percent.
Asset Mix:
Consumer loans (15%), home mtgs (13%), 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