Major Rating Factors:
Fair current capitalization (3.3 on a scale of 0 to 10) based on a net capital to total assets of 5.6 and a net worth ratio of 0.0. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.0 on a scale of 0 to 10).
Other Rating Factors:
A current level of 8.0 percent of nonperforming loans to core capital combined with 3.7 percent from a year earlier contributes to the Excellent asset quality (7.5). Weak liquidity 1.6, driven by a liquidity ratio of 10.5 percent and a “hot money” ratio of 17.7 percent.
Asset Mix:
Home mtgs (33%), consumer loans (23%), securities (2%), other (42%)
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
2976 Ewalu Street
Lihue, HI 96766
Lihue, HI 96766
Phone Number
(808) 245-2463
NCUA Charter Number
Website
Largest Competitors
Honolulu, HI
Honolulu, HI
Lihue, HI
Lihue, HI
Lihue, HI