Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 20.1 and a net worth ratio of 20.1. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.4 on a scale of 0 to 10).
Other Rating Factors:
A current level of 7.7 percent of nonperforming loans to core capital combined with 2.9 percent from a year earlier contributes to the Excellent asset quality (7.2). Good liquidity 5.2, driven by a liquidity ratio of 16.2 percent and a “hot money” ratio of 11.8 percent.
Asset Mix:
Consumer loans (28%), home mtgs (17%), securities (4%), other (51%)
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
1437 Kilauea Avenue
Hilo, HI 96720
Hilo, HI 96720
Phone Number
(808) 238-3500
NCUA Charter Number
Website
Largest Competitors
Honolulu, HI
Hilo, HI
Hilo, HI
Hilo, HI