Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 12.9 and a net worth ratio of 13.2. A current level of 0.3 percent of nonperforming loans to core capital combined with 0.9 percent from a year earlier contributes to the Excellent asset quality (10.0).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.8 on a scale of 0 to 10). Good liquidity 5.3, driven by a liquidity ratio of 29.9 percent and a “hot money” ratio of 18.5 percent.
Asset Mix:
Securities (25%), home mtgs (17%), consumer loans (5%), other (53%)
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
25 West Kamehameha Avenue
Kahului, HI 96732
Kahului, HI 96732
Phone Number
(808) 871-7705
NCUA Charter Number
Website
Largest Competitors
Honolulu, HI
Honolulu, HI
Kahului, HI
Kahului, HI
Kahului, HI