Major Rating Factors:
Operating profits as a percentage of assets at 0.2%, coupled with a return on assets of 0.1 has resulted in Weak (1.9) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.9 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 16.7 and a net worth ratio of 17.3. A current level of 5.8 percent of nonperforming loans to core capital combined with 0.0 percent from a year earlier contributes to the Excellent asset quality (8.8).
Asset Mix:
Home mtgs (16%), consumer loans (15%), securities (1%), other (68%)
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
P.O. Box 860669
Wahiawa, HI 96786
Wahiawa, HI 96786
Phone Number
(808) 624-9884
NCUA Charter Number
Website
Largest Competitors
Honolulu, HI
Honolulu, HI
Honolulu, HI
Honolulu, HI
Honolulu, HI