BlastPoint's Credit Union Scorecard
KAHULUI
Charter #10399 · HI
KAHULUI has 2 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Assets: Top 8.2% in tier
- + Total Deposits: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - ROA 1.24% below tier average
- - Efficiency ratio 2.70% above tier (higher cost structure)
- - Member decline: -2.4% YoY
- - Share Certificate Concentration (%): Bottom 3.6% in tier
- - Net Interest Margin (NIM): Bottom 7.7% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 20 that size in Hawaii.
- Shares and deposits +0.5% year over year ($66.9M in shares and deposits).
- Membership: 3,971 members, -2.4% vs a year ago.
- Delinquency rate 0.13%.
- Return on assets 0.25%.
- Efficiency ratio 91.47% vs a 88.77% peer average.
- Loan-to-share ratio 40.19% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,971
-2.4% YoY-0.3% QoQ
|
+1.4K |
2,585
-1.7% YoY
|
19,590
+0.5% YoY
|
34,678
+6.6% YoY
|
79% |
| Assets |
$78.8M
+1.4% YoY-0.9% QoQ
|
+$48.5M |
$30.3M
+1.5% YoY
|
$386.0M
+4.8% YoY
|
$593.1M
+10.2% YoY
|
Top 8.3% in tier |
| Loans |
$26.9M
-3.8% YoY-3.0% QoQ
|
+$11.4M |
$15.5M
-1.7% YoY
|
$197.3M
+5.5% YoY
|
$418.6M
+10.1% YoY
|
80% |
| Deposits |
$66.9M
+0.5% YoY-2.0% QoQ
|
+$41.1M |
$25.8M
+1.1% YoY
|
$341.6M
+4.3% YoY
|
$504.8M
+10.3% YoY
|
Top 8.4% in tier |
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| ROA |
0.3%
-23.3% YoY-18.3% QoQ
|
-1.2% |
1.5%
+241.5% YoY
|
1.0%
+38.1% YoY
|
1.2%
+121.4% YoY
|
16% |
| NIM |
2.6%
+4.2% YoY+1.6% QoQ
|
-1.3% |
3.9%
+0.9% YoY
|
3.2%
+7.0% YoY
|
3.8%
+2.3% YoY
|
Bottom 7.7% in tier |
| Efficiency Ratio |
91.5%
+21.3% YoY+2.4% QoQ
|
+2.7% |
88.8%
-6.9% YoY
|
73.0%
-3.2% YoY
|
83.0%
-5.3% YoY
|
75% |
| Delinquency Rate |
0.1%
-90.8% YoY+129.8% QoQ
|
-1.4 |
1.5%
+2.1% YoY
|
1.3%
-1.1% YoY
|
1.3%
+2.6% YoY
|
22% |
| Loan To Share |
40.2%
-4.3% YoY-1.0% QoQ
|
-18.7% |
58.9%
-3.1% YoY
|
53.4%
-3.2% YoY
|
66.4%
-1.4% YoY
|
22% |
| AMR |
$23,612
+1.7% YoY-2.0% QoQ
|
+$9K |
$14,963
-6.8% YoY
|
$23,604
+3.8% YoY
|
$20,028
-0.9% YoY
|
Top 11.4% in tier |
| CD Concentration |
50.5%
+6.2% YoY+10.2% QoQ
|
+25.9% | 24.6% | 25.0% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 4.8% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)