Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 18.0 and a net worth ratio of 18.0. A current level of 1.3 percent of nonperforming loans to core capital combined with 1.4 percent from a year earlier contributes to the Excellent asset quality (10.0).
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 (6.7 on a scale of 0 to 10). Good liquidity 5.5, driven by a liquidity ratio of 19.4 percent and a “hot money” ratio of 8.8 percent.
Asset Mix:
Consumer loans (20%), home mtgs (9%), securities (1%), other (70%)
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
770 Kapiolani Boulevard
Honolulu, HI 96813
Honolulu, HI 96813
Phone Number
(808) 451-3693
NCUA Charter Number
Website
Largest Competitors
Honolulu, HI
Honolulu, HI
Honolulu, HI
Honolulu, HI
Honolulu, HI