Major Rating Factors:
A current level of 6.3 percent of nonperforming loans to core capital contributes to the Excellent asset quality (7.7). Operating profits as a percentage of assets at 1.3%, coupled with a return on assets of 1.0 has resulted in Excellent (7.6) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.2 on a scale of 0 to 10). Good current capitalization (6.9 on a scale of 0 to 10) based on a net capital to total assets of 9.3 and a net worth ratio of 9.3.
Asset Mix:
Securities (33%), home mtgs (21%), consumer loans (17%), other (29%)
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
632 Kinoole Street
Hilo, HI 96720
Hilo, HI 96720
Phone Number
(808) 930-1400
NCUA Charter Number
Website
Largest Competitors
Honolulu, HI
Hilo, HI
Hilo, HI
Hilo, HI