BlastPoint's Credit Union Scorecard

UNIVERSITY OF HAWAII

Charter #10465 · HI

Community 750M-1B
117 CUs in 750M-1B nationally 3 in HI
View Community leaderboard →

UNIVERSITY OF HAWAII has 7 strengths but faces 6 concerns

National Analysis

How does the industry compare?
Community Tier

What's your peer group doing?
HI Analysis

How does HI stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Engine: Top 24.3% in tier
  • + Organic Growth Leader: Top 24.3% in tier
  • + Relationship Depth Leader: Top 40.7% in tier
  • + ROA 0.23% above tier average
  • + Total Deposits: Top 4.3% in tier
  • + Efficiency Ratio: Top 6.8% in tier
  • + Loan Growth Rate: Top 9.4% in tier

Key Concerns

Areas that may need attention

  • - Net Interest Margin (NIM): Bottom 1.7% in tier
  • - Share Certificate Concentration (%): Bottom 1.7% in tier
  • - Loan-to-Share Ratio: Bottom 3.4% in tier
  • - Total Loans: Bottom 6.0% in tier
  • - First Mortgage Concentration (%): Bottom 6.0% in tier
  • - Fee Income Per Member: Bottom 9.4% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (HI) National Avg Tier Percentile
Members 35,354
+2.6% YoY+1.0% QoQ
 -16.1K 51,500
+0.7% YoY
 19,510
+0.1% YoY
 33,913
+5.7% YoY
 18%
Assets $956.7M
+6.5% YoY+3.3% QoQ
 +$91.1M $865.6M
+0.9% YoY
 $385.1M
+5.4% YoY
 $578.3M
+9.0% YoY
 Top 13.7% in tier
Loans $365.2M
+13.3% YoY+3.3% QoQ
 $-230.1M $595.3M
+1.6% YoY
 $193.9M
+4.9% YoY
 $402.4M
+8.7% YoY
 Bottom 5.1% in tier
Deposits $877.7M
+5.0% YoY+3.8% QoQ
 +$135.6M $742.2M
+0.6% YoY
 $341.1M
+4.6% YoY
 $494.3M
+9.1% YoY
 Top 5.1% 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 1.0%
+47.7% YoY+19.3% QoQ
 +0.2% 0.8%
+45.0% YoY
 0.8%
-0.9% YoY
 0.4%
-39.2% YoY
 71%
NIM 2.1%
+34.0% YoY+16.2% QoQ
 -1.4% 3.5%
+6.1% YoY
 3.2%
+6.8% YoY
 3.8%
+4.1% YoY
 Bottom 0.9% in tier
Efficiency Ratio 56.2%
-14.1% YoY-5.5% QoQ
 -19.3% 75.5%
-3.4% YoY
 73.4%
-3.4% YoY
 84.6%
+2.8% YoY
 Top 6.8% in tier
Delinquency Rate 0.2%
-73.9% YoY-12.5% QoQ
 -0.5 0.7%
-0.1% YoY
 1.1%
+17.2% YoY
 1.2%
+3.4% YoY
 Top 10.3% in tier
Loan To Share 41.6%
+7.9% YoY-0.5% QoQ
 -39.0% 80.6%
+0.7% YoY
 53.2%
-3.6% YoY
 65.6%
-1.4% YoY
 Bottom 2.6% in tier
AMR $35,156
+4.6% YoY+2.6% QoQ
 +$6K $28,908
+0.7% YoY
 $23,509
+4.4% YoY
 $19,920
+1.6% YoY
 82%
CD Concentration 48.8%
+2.7% YoY+0.9% QoQ
 +24.6% 24.3% 24.4% 19.8% Top 1.7% in tier
Indirect Auto % 0.6%
-34.1% YoY-9.7% QoQ
 -13.2% 13.8% 4.9% 7.7% 34%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth
#158 of 352 • Top 24.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.61%
(Tier: 0.72%, National: 10.19%)
better than tier avg
Return on Assets: 0.99%
(Tier: 0.72%, National: 0.39%)
better than tier avg
Indirect Auto %: 0.61%
(Tier: 13.80%, National: 7.73%)
better than tier avg
499 nationally
→ No prior data (352 CUs now) | New qualifier

Organic Growth Leader

growth
#185 of 371 • Top 24.3% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 2.61%
(Tier: 0.72%, National: 10.19%)
better than tier avg
Indirect Auto %: 0.61%
(Tier: 13.80%, National: 7.73%)
better than tier avg
518 nationally
→ No prior data (371 CUs now) | New qualifier

Relationship Depth Leader

growth
#148 of 257 • Top 40.7% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature
AMR Growth (YoY): 4.58%
(Tier: 3.74%, National: 6.36%)
better than tier avg
Share Draft per Member: $3.3K
(Tier: $3.0K, National: $2.1K)
better than tier avg
257 of 284 Community CUs have this signature | 342 nationally
↑ Growing +27 CUs YoY | Rank worsening

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)

Comparing against 117 peers in tier

Top Strengths (8 metrics)

6
Total Deposits
balance_sheet
Value: $877.74M
Peer Median: $735.65M
#6 of 117 Top 4.3% in 750M-1B tier
9
Efficiency Ratio
profitability
Value: 56.20%
Peer Median: 77.38%
#9 of 117 Top 6.8% in 750M-1B tier
12
Loan Growth Rate
growth
Value: 13.27%
Peer Median: 4.33%
#12 of 117 Top 9.4% in 750M-1B tier
13
Total Delinquency Rate (60+ days)
risk
Value: 0.20%
Peer Median: 0.56%
#13 of 117 Top 10.3% in 750M-1B tier
15
Members Per Employee (MPE)
engagement
Value: 465.184
Peer Median: 328.468
#15 of 117 Top 12.0% in 750M-1B tier
16
Total Assets
balance_sheet
Value: $956.73M
Peer Median: $858.87M
#16 of 117 Top 12.8% in 750M-1B tier
21
Average Member Relationship (AMR)
engagement
Value: $35,156
Peer Median: $26,209
#21 of 117 Top 17.1% in 750M-1B tier
23
Indirect Auto Concentration (%)
balance_sheet
Value: 0.61%
Peer Median: 13.79%
#23 of 117 Top 18.8% in 750M-1B tier

Top Weaknesses (7 metrics)

116
Net Interest Margin (NIM)
profitability
Value: 2.08%
Peer Median: 3.47%
#116 of 117 Bottom 1.7% in 750M-1B tier
116
Share Certificate Concentration (%)
balance_sheet
Value: 48.85%
Peer Median: 26.77%
#116 of 117 Bottom 1.7% in 750M-1B tier
114
Loan-to-Share Ratio
balance_sheet
Value: 41.60%
Peer Median: 84.41%
#114 of 117 Bottom 3.4% in 750M-1B tier
111
Total Loans
balance_sheet
Value: $365.17M
Peer Median: $618.21M
#111 of 117 Bottom 6.0% in 750M-1B tier
111
First Mortgage Concentration (%)
balance_sheet
Value: 57.98%
Peer Median: 32.60%
#111 of 117 Bottom 6.0% in 750M-1B tier
107
Fee Income Per Member
profitability
Value: $96.62
Peer Median: $187.56
#107 of 117 Bottom 9.4% in 750M-1B tier
96
Total Members
engagement
Value: 35,354
Peer Median: 51,712
#96 of 117 Bottom 18.8% in 750M-1B tier
Link copied to clipboard!