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 (4.2 on a scale of 0 to 10). A current level of 39.6 percent of nonperforming loans to core capital contributes to the Weak asset quality (1.7).
Other Rating Factors:
Excellent current capitalization (7.1 on a scale of 0 to 10) based on a net capital to total assets of 9.5 and a net worth ratio of 9.5. Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 0.6 has resulted in Good (5.8) profitability.
Asset Mix:
Home mtgs (24%), consumer loans (22%), other (54%)
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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