Lokahi Federal Credit Union
Major Rating Factors:
Weak current capitalization (2.5 on a scale of 0 to 10) based on a net capital to total assets of 5.1 and a net worth ratio of 0.0. Operating profits as a percentage of assets at 0.7%, coupled with a return on assets of 0.4 has resulted in Weak (2.9) profitability.
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (3.1 on a scale of 0 to 10). Fair liquidity 3.3, driven by a liquidity ratio of 11.8 percent and a “hot money” ratio of 18.4 percent.
Asset Mix:
Home mtgs (16%), consumer loans (10%), securities (1%), other (72%)
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
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
Hilo, HI
Honolulu, HI