Development
Major Rating Factors:
Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.5 has resulted in Weak (1.7) profitability. Weak current capitalization (1.9 on a scale of 0 to 10) based on a net capital to total assets of 4.8 and a net worth ratio of 10.4.
Other Rating Factors:
Fair liquidity 4.5, driven by a liquidity ratio of 7.8 percent and a “hot money” ratio of 16.1 percent. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.6 on a scale of 0 to 10).
Asset Mix:
Home mtgs (16%), securities (7%), consumer loans (7%), 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
2019 South King Street
Honolulu, HI 96826
Honolulu, HI 96826
Phone Number
(808) 983-5500
NCUA Charter Number
Website
Largest Competitors
Honolulu, HI
Honolulu, HI
Honolulu, HI
Honolulu, HI
Honolulu, HI