KAHULUI
Charter #10399 | HI
<100M
(2596 CUs)
Micro
($0-$500M)
21 <100M in HI
KAHULUI has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 1.6% in tier
- + Average Member Relationship (AMR): Top 5.6% in tier
- + Total Deposits: Top 8.2% in tier
- + Total Assets: Top 8.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.23% below tier average
- - Member decline: -15.4% YoY
- - Member Growth Rate: Bottom 2.7% in tier
- - Share Certificate Concentration (%): Bottom 3.9% in tier
- - Net Interest Margin (NIM): Bottom 7.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,447
-15.4% YoY-15.3% QoQ
|
+821 |
2,625
-2.2% YoY
|
19,538
+4.7% YoY
|
33,089
+6.1% YoY
|
73rd in tier |
| Assets |
$78.0M
+5.3% YoY+0.4% QoQ
|
+$48.2M |
$29.9M
+1.1% YoY
|
$371.1M
+11.7% YoY
|
$547.7M
+7.8% YoY
|
Top 8.3% in tier |
| Loans |
$27.9M
+3.8% YoY-0.1% QoQ
|
+$12.2M |
$15.8M
-2.4% YoY
|
$190.1M
+8.2% YoY
|
$388.7M
+8.6% YoY
|
Top 20.4% in tier |
| Deposits |
$67.0M
+5.5% YoY+0.8% QoQ
|
+$41.6M |
$25.5M
+0.4% YoY
|
$328.7M
+11.9% YoY
|
$464.6M
+9.3% YoY
|
Top 8.2% in tier |
| ROA |
0.5%
-45.6% YoY+38.5% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
0.8%
+109.8% YoY
|
0.7%
+273.4% YoY
|
34th in tier |
| NIM |
2.5%
-9.3% YoY-0.3% QoQ
|
-1.5% |
3.9%
+3.8% YoY
|
3.1%
+10.9% YoY
|
3.7%
+5.0% YoY
|
Bottom 7.0% in tier |
| Efficiency Ratio |
73.8%
+4.3% YoY-2.1% QoQ
|
-7.6% |
81.4%
-2.4% YoY
|
73.4%
-6.7% YoY
|
79.1%
-3.3% YoY
|
40th in tier |
| Delinquency Rate |
0.1%
-66.2% YoY-93.7% QoQ
|
-1.4 |
1.5%
-2.0% YoY
|
1.2%
-0.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 19.8% in tier |
| Loan To Share |
41.7%
-1.6% YoY-0.8% QoQ
|
-19.6% |
61.2%
-3.0% YoY
|
55.2%
-1.0% YoY
|
68.0%
-1.7% YoY
|
Bottom 20.9% in tier |
| AMR |
$27,550
+24.1% YoY+18.7% QoQ
|
+$13K |
$14,627
-2.7% YoY
|
$22,988
+5.6% YoY
|
$19,418
+1.3% YoY
|
Top 5.6% in tier |
| CD Concentration |
49.0%
+22.5% YoY+3.1% QoQ
|
+24.6% |
24.4%
+4.2% YoY
|
23.5%
+10.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
5.1%
-6.8% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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)
Top Strengths (11 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
43
AMR Growth Rate
growth
Value:
24.05%
Peer Avg: 4.67%
#43 of 2596
Top 1.6% in <100M tier
146
Average Member Relationship (AMR)
engagement
Value:
$27,550
Peer Avg: $14,627
#146 of 2596
Top 5.6% in <100M tier
213
Total Deposits
balance_sheet
Value:
$67.04M
Peer Avg: $25.45M
#213 of 2596
Top 8.2% in <100M tier
215
Total Assets
balance_sheet
Value:
$78.01M
Peer Avg: $29.86M
#215 of 2596
Top 8.2% in <100M tier
454
Loan-to-Member Ratio (LMR)
engagement
Value:
$8,102
Peer Avg: $5,488
#454 of 2596
Top 17.4% in <100M tier
515
Total Delinquency Rate (60+ days)
risk
Value:
0.09%
Peer Avg: 1.51%
#515 of 2596
Top 19.8% in <100M tier
529
Total Loans
balance_sheet
Value:
$27.93M
Peer Avg: $15.77M
#529 of 2596
Top 20.3% in <100M tier
570
Deposit Growth Rate
growth
Value:
5.46%
Peer Avg: 16.80%
#570 of 2596
Top 21.9% in <100M tier
623
Asset Growth Rate
growth
Value:
5.32%
Peer Avg: 1.82%
#623 of 2596
Top 24.0% in <100M tier
Top Weaknesses (5 metrics)
2526
Member Growth Rate
growth
Value:
-15.39%
Peer Avg: 14.92%
#2526 of 2596
Bottom 2.7% in <100M tier
2497
Share Certificate Concentration (%)
balance_sheet
Value:
48.97%
Peer Avg: 15.37%
#2497 of 2596
Bottom 3.9% in <100M tier
2413
Net Interest Margin (NIM)
profitability
Value:
2.45%
Peer Avg: 3.93%
#2413 of 2596
Bottom 7.1% in <100M tier
2323
First Mortgage Concentration (%)
balance_sheet
Value:
43.99%
Peer Avg: 14.49%
#2323 of 2596
Bottom 10.6% in <100M tier
2050
Loan-to-Share Ratio
balance_sheet
Value:
41.66%
Peer Avg: 61.23%
#2050 of 2596
Bottom 21.1% in <100M tier