Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 20.1 and a net worth ratio of 20.1. Operating profits as a percentage of assets at 1.6%, coupled with a return on assets of 1.2 has resulted in Excellent (9.7) profitability.
Other Rating Factors:
A current level of 4.4 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.4). Excellent liquidity 8.1, driven by a liquidity ratio of 64.0 percent and a “hot money” ratio of 0.0 percent.
Asset Mix:
Consumer loans (13%), other (87%)
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
1109 Bethel Street
Honolulu, HI 96813
Honolulu, HI 96813
Phone Number
(808) 537-9135
NCUA Charter Number
Largest Competitors
Honolulu, HI
Honolulu, HI
Honolulu, HI
Honolulu, HI
Honolulu, HI