Major Rating Factors:
Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.7 has resulted in Fair (4.5) profitability. Fair current capitalization (4.3 on a scale of 0 to 10) based on a net capital to total assets of 6.6 and a net worth ratio of 0.0.
Other Rating Factors:
A current level of 5.8 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.8). Fair liquidity 4.4, driven by a liquidity ratio of 15.1 percent and a “hot money” ratio of 22.6 percent.
Asset Mix:
Home mtgs (20%), securities (6%), consumer loans (5%), other (69%)
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
2019 South King Street
Honolulu, HI 96826
Honolulu, HI 96826
Phone Number
(808) 983-5500
NCUA Charter Number
Website
Largest Competitors
Honolulu, HI
Honolulu, HI
Honolulu, HI
Honolulu, HI
Honolulu, HI