Major Rating Factors:
A current level of 3.2 percent of nonperforming loans to core capital combined with 2.7 percent from a year earlier contributes to the Excellent asset quality (9.1). Operating profits as a percentage of assets at 1.4%, coupled with a return on assets of 1.5 has resulted in Excellent (7.5) 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 (7.3 on a scale of 0 to 10). Good current capitalization (6.1 on a scale of 0 to 10) based on a net capital to total assets of 8.5 and a net worth ratio of 12.1.
Asset Mix:
Home mtgs (22%), consumer loans (21%), securities (7%), other (49%)
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
4493 Pahee Street
Lihue, HI 96766
Lihue, HI 96766
Phone Number
(808) 245-6791
NCUA Charter Number
Website
Largest Competitors
Honolulu, HI
Honolulu, HI
Lihue, HI
Lihue, HI
Lihue, HI