Lokahi Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.2 has resulted in Weak (2.3) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.2 on a scale of 0 to 10).
Other Rating Factors:
Fair liquidity 3.2, driven by a liquidity ratio of 9.6 percent and a “hot money” ratio of 22.9 percent. Fair current capitalization (3.4 on a scale of 0 to 10) based on a net capital to total assets of 5.7 and a net worth ratio of 9.3.
Asset Mix:
Home mtgs (15%), consumer loans (9%), comm loans (5%), securities (3%), other (69%)
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
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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
1260 Kuala Street
Pearl City, HI 96782
Pearl City, HI 96782
Phone Number
(808) 423-1391
NCUA Charter Number
Website
Largest Competitors
Honolulu, HI
Honolulu, HI
Honolulu, HI
Honolulu, HI
Hilo, HI