Major Rating Factors:
A current level of 8.9 percent of nonperforming loans to core capital combined with 3.4 percent from a year earlier contributes to the Good asset quality (7.0). Good current capitalization (5.5 on a scale of 0 to 10) based on a net capital to total assets of 7.9 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 (5.5 on a scale of 0 to 10). Fair liquidity 4.7, driven by a liquidity ratio of 22.1 percent and a “hot money” ratio of 7.5 percent.
Asset Mix:
Home mtgs (16%), consumer loans (10%), other (74%)
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
333 Queen Street
Honolulu, HI 96813
Honolulu, HI 96813
Phone Number
(808) 587-2700
NCUA Charter Number
Website
Largest Competitors
Honolulu, HI
Honolulu, HI
Honolulu, HI
Honolulu, HI
Honolulu, HI