Major Rating Factors:
Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.4 has resulted in Fair (4.3) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.2 on a scale of 0 to 10).
Other Rating Factors:
Good current capitalization (6.7 on a scale of 0 to 10) based on a net capital to total assets of 9.2 and a net worth ratio of 0.0. Fair liquidity 3.3, driven by a liquidity ratio of 23.4 percent and a “hot money” ratio of 36.2 percent.
Asset Mix:
Consumer loans (25%), home mtgs (20%), other (55%)
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
67-1187 Mamalahoa Highway
Kamuela, HI 96743
Kamuela, HI 96743
Phone Number
(808) 885-7349
NCUA Charter Number
Website
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