Major Rating Factors:
A current level of 34.4 percent of nonperforming loans to core capital contributes to the Weak asset quality (2.0).
Other Rating Factors:
Fair liquidity 4.2, driven by a liquidity ratio of 37.9 percent and a “hot money” ratio of 27.6 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (7.0 on a scale of 0 to 10).
Asset Mix:
Consumer loans (67%), other (33%)
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
56-576A Kamehameha Highway
Kahuku, HI 96731
Kahuku, HI 96731
Phone Number
(808) 293-9063
NCUA Charter Number
Website
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