Major Rating Factors:
A current level of 3.6 percent of nonperforming loans to core capital contributes to the Excellent asset quality (9.0). Excellent current capitalization (8.0 on a scale of 0 to 10) based on a net capital to total assets of 10.1 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 an Excellent overall stability index (7.4 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.8%, coupled with a return on assets of 0.7 has resulted in Fair (4.3) profitability.
Asset Mix:
Home mtgs (54%), securities (13%), consumer loans (4%), other (29%)
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
1138 North King Street
Honolulu, HI 96817
Honolulu, HI 96817
Phone Number
(808) 832-8700
NCUA Charter Number
Website
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Honolulu, HI
Honolulu, HI
Honolulu, HI
Honolulu, HI
Honolulu, HI