Major Rating Factors:
Very Weak current capitalization (0.8 on a scale of 0 to 10) based on a net capital to total assets of 4.2 and a net worth ratio of 10.2. Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.5 has resulted in Fair (3.3) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10). Fair liquidity 4.7, driven by a liquidity ratio of 12.7 percent and a “hot money” ratio of 18.7 percent.
Asset Mix:
Home mtgs (15%), securities (7%), consumer loans (7%), other (71%)
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
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Honolulu, HI
Honolulu, HI
Honolulu, HI
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Honolulu, HI