Major Rating Factors:
A current level of 5.8 percent of nonperforming loans to core capital combined with 5.8 percent from a year earlier contributes to the Excellent asset quality (7.8). Excellent current capitalization (7.3 on a scale of 0 to 10) based on a net capital to total assets of 9.7 and a net worth ratio of 0.0.
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 (6.4 on a scale of 0 to 10). Good liquidity 6.0, driven by a liquidity ratio of 22.2 percent and a “hot money” ratio of 12.8 percent.
Asset Mix:
Consumer loans (15%), securities (10%), home mtgs (4%), other (71%)
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
66 Lono Street
Hilo, HI 96720
Hilo, HI 96720
Phone Number
(808) 935-9778
NCUA Charter Number
Website
Largest Competitors
Honolulu, HI
Hilo, HI
Hilo, HI
Hilo, HI