Major 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 current capitalization (4.0 on a scale of 0 to 10) based on a net capital to total assets of 6.3 and a net worth ratio of 0.0.
Other Rating Factors:
A current level of 3.3 percent of nonperforming loans to core capital combined with 3.3 percent from a year earlier contributes to the Excellent asset quality (9.2). Fair liquidity 3.6, driven by a liquidity ratio of 13.3 percent and a “hot money” ratio of 12.8 percent.
Asset Mix:
Home mtgs (23%), consumer loans (13%), other (64%)
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
832 South Hotel Street
Honolulu, HI 96813
Honolulu, HI 96813
Phone Number
(808) 531-3711
NCUA Charter Number
Website
Largest Competitors
Honolulu, HI
Honolulu, HI
Honolulu, HI
Honolulu, HI
Honolulu, HI