BlastPoint's Credit Union Scorecard

KAHULUI

Charter #10399 · HI

<100M

2508 CUs in <100M nationally 20 in HI

KAHULUI has 3 strengths but faces 3 concerns

National Analysis

How does the industry compare?

HI Analysis

How does HI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.16% above tier average
+ Total Assets: Top 7.5% in tier
+ Total Deposits: Top 7.7% in tier

Key Concerns

Areas that may need attention

- Member decline: -2.6% YoY
- Share Certificate Concentration (%): Bottom 5.1% in tier
- Net Interest Margin (NIM): Bottom 8.1% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (HI)	National Avg	Tier Percentile
Members	3,981 -2.6% YoY-0.5% QoQ	+1.3K	2,676 +1.6% YoY	19,510 +0.1% YoY	33,913 +5.7% YoY	79%
Assets	$79.5M +4.8% YoY-0.2% QoQ	+$49.3M	$30.2M +1.3% YoY	$385.1M +5.4% YoY	$578.3M +9.0% YoY	Top 7.5% in tier
Loans	$27.7M -0.1% YoY-0.5% QoQ	+$12.4M	$15.3M -2.0% YoY	$193.9M +4.9% YoY	$402.4M +8.7% YoY	81%
Deposits	$68.2M +5.1% YoY-0.5% QoQ	+$42.4M	$25.8M +0.7% YoY	$341.1M +4.6% YoY	$494.3M +9.1% YoY	Top 7.7% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.3% -38.2% YoY-34.3% QoQ	+0.2%	0.1% -77.6% YoY	0.8% -0.9% YoY	0.4% -39.2% YoY	35%
NIM	2.5% +1.8% YoY+4.1% QoQ	-1.5%	4.0% +4.0% YoY	3.2% +6.8% YoY	3.8% +4.1% YoY	Bottom 8.0% in tier
Efficiency Ratio	89.3% +18.5% YoY+17.4% QoQ	-1.3%	90.6% +6.5% YoY	73.4% -3.4% YoY	84.6% +2.8% YoY	67%
Delinquency Rate	0.1% -70.5% YoY-41.3% QoQ	-1.4	1.5% +3.8% YoY	1.1% +17.2% YoY	1.2% +3.4% YoY	18%
Loan To Share	40.6% -5.0% YoY-0.0% QoQ	-17.9%	58.5% -3.0% YoY	53.2% -3.6% YoY	65.6% -1.4% YoY	22%
AMR	$24,097 +6.3% YoY+0.1% QoQ	+$9K	$14,884 -1.7% YoY	$23,509 +4.4% YoY	$19,920 +1.6% YoY	Top 10.4% in tier
CD Concentration	45.8% +2.1% YoY-5.8% QoQ	+21.5%	24.3%	24.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	4.9%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

189

Total Assets

balance_sheet

Value: $79.48M

Peer Median: $21.86M

#189 of 2508 Top 7.5% in <100M tier

193

Total Deposits

balance_sheet

Value: $68.23M

Peer Median: $18.77M

#193 of 2508 Top 7.7% in <100M tier

261

Average Member Relationship (AMR)

engagement

Value: $24,097

Peer Median: $13,926

#261 of 2508 Top 10.4% in <100M tier

448

Total Delinquency Rate (60+ days)

risk

Value: 0.06%

Peer Median: 0.65%

#448 of 2508 Top 17.8% in <100M tier

485

Total Loans

balance_sheet

Value: $27.70M

Peer Median: $9.48M

#485 of 2508 Top 19.3% in <100M tier

493

AMR Growth Rate

growth

Value: 6.32%

Peer Median: 1.27%

#493 of 2508 Top 19.6% in <100M tier

526

Total Members

engagement

Value: 3,981

Peer Median: 1,918

#526 of 2508 Top 20.9% in <100M tier

586

Deposit Growth Rate

growth

Value: 5.09%

Peer Median: 0.66%

#586 of 2508 Top 23.3% in <100M tier

Top Weaknesses (4 metrics)

2381

Share Certificate Concentration (%)

balance_sheet

Value: 45.81%

Peer Median: 12.45%

#2381 of 2508 Bottom 5.1% in <100M tier

2307

Net Interest Margin (NIM)

profitability

Value: 2.52%

Peer Median: 3.83%

#2307 of 2508 Bottom 8.1% in <100M tier

2215

First Mortgage Concentration (%)

balance_sheet

Value: 43.06%

Peer Median: 3.66%

#2215 of 2508 Bottom 11.7% in <100M tier

1941

Loan-to-Share Ratio

balance_sheet

Value: 40.60%

Peer Median: 58.72%

#1941 of 2508 Bottom 22.6% in <100M tier