Major Rating Factors:
Operating profits as a percentage of assets at 0.4%, coupled with a return on assets of 0.2 has resulted in Very Weak (0.5) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (1.7 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 3.8, driven by a liquidity ratio of 11.9 percent and a “hot money” ratio of 11.4 percent. 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.
Asset Mix:
Consumer loans (24%), home mtgs (6%), 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
1914 South King Street
Honolulu, HI 96826
Honolulu, HI 96826
Phone Number
(808) 942-5115
NCUA Charter Number
Website
Largest Competitors
Honolulu, HI
Honolulu, HI
Honolulu, HI
Honolulu, HI
Honolulu, HI