UNIVERSITY OF HAWAII

Charter #10465 | HI

750M-1B (112 CUs) Community (281 CUs)
3 750M-1B in HI

UNIVERSITY OF HAWAII has 6 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Organic Growth Leader: Top 18.4% in tier
  • + Organic Growth Engine: Top 19.3% in tier
  • + Relationship Depth Leader: Top 19.5% in tier
  • + Wallet Share Momentum: Top 26.1% in tier
  • + ROA 0.11% above tier average
  • + Total Deposits: Top 7.1% in tier

Key Concerns

Areas that may need attention

  • - Growth-at-Risk: Bottom 2.9% in tier
  • - Credit Quality Pressure: Bottom 9.0% in tier
  • - Net Interest Margin (NIM): Bottom 1.8% in tier
  • - Loan-to-Share Ratio: Bottom 1.8% in tier
  • - Share Certificate Concentration (%): Bottom 1.8% in tier
  • - Total Loans: Bottom 4.5% in tier
  • - First Mortgage Concentration (%): Bottom 8.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (HI) National Avg Tier Percentile
Members 34,962
+2.1% YoY+0.9% QoQ
 -17.2K 52,114
-2.1% YoY
 19,538
+4.7% YoY
 33,089
+6.1% YoY
 Bottom 17.0% in tier
Assets $930.6M
-0.7% YoY+1.9% QoQ
 +$71.6M $859.0M
+0.0% YoY
 $371.1M
+11.7% YoY
 $547.7M
+7.8% YoY
 Top 17.0% in tier
Loans $346.6M
+11.8% YoY+3.6% QoQ
 $-256.7M $603.4M
+1.0% YoY
 $190.1M
+8.2% YoY
 $388.7M
+8.6% YoY
 Bottom 3.6% in tier
Deposits $854.2M
+2.7% YoY+0.8% QoQ
 +$120.0M $734.2M
+0.9% YoY
 $328.7M
+11.9% YoY
 $464.6M
+9.3% YoY
 Top 8.0% in tier
ROA 0.8%
+207.5% YoY+11.4% QoQ
 +0.1% 0.7%
+27.6% YoY
 0.8%
+109.8% YoY
 0.7%
+273.4% YoY
 62nd in tier
NIM 1.7%
+27.7% YoY+4.8% QoQ
 -1.6% 3.4%
+9.6% YoY
 3.1%
+10.9% YoY
 3.7%
+5.0% YoY
 Bottom 0.9% in tier
Efficiency Ratio 59.6%
-26.6% YoY-4.0% QoQ
 -14.9% 74.5%
-3.2% YoY
 73.4%
-6.7% YoY
 79.1%
-3.3% YoY
 Bottom 10.7% in tier
Delinquency Rate 0.6%
+117.5% YoY-18.3% QoQ
 -0.2 0.8%
+5.0% YoY
 1.2%
-0.3% YoY
 1.2%
-0.9% YoY
 49th in tier
Loan To Share 40.6%
+8.8% YoY+2.8% QoQ
 -42.1% 82.7%
+0.1% YoY
 55.2%
-1.0% YoY
 68.0%
-1.7% YoY
 Bottom 0.9% in tier
AMR $34,346
+3.0% YoY+0.7% QoQ
 +$6K $28,651
+2.5% YoY
 $22,988
+5.6% YoY
 $19,418
+1.3% YoY
 Top 21.4% in tier
CD Concentration 49.8%
+4.3% YoY+2.3% QoQ
 +25.4% 24.4%
+4.2% YoY
 23.5%
+10.2% YoY
 19.6%
+6.2% YoY
 Top 1.6% in tier
Indirect Auto % 0.7%
-31.9% YoY-11.9% QoQ
 -13.2% 14.0%
-5.8% YoY
 5.1%
-6.8% YoY
 7.9%
-2.9% YoY
 35th in tier

Signature Analysis

Strengths (4)

Organic Growth Leader

growth
#243 of 430 • Top 18.4% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 2.14%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 281 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | Rank worsening

Organic Growth Engine

growth
#355 of 603 • Top 19.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 2.14%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.82%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Indirect Auto %: 0.74%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 281 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | Rank improving

Relationship Depth Leader

growth
#537 of 1006 • Top 19.5% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 2.97%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $3.1K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Wallet Share Momentum

growth
#719 of 1006 • Top 26.1% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 2.97%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (2)

Growth-at-Risk

risk
#44 of 446 • Bottom 2.9% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 11.76%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 0.35% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Credit Quality Pressure

risk
#223 of 736 • Bottom 9.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.35% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

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 112 peers in tier

Top Strengths (8 metrics)

9
Total Deposits
balance_sheet
Value: $854.16M
Peer Avg: $734.17M
#9 of 112 Top 7.1% in 750M-1B tier
13
Efficiency Ratio
profitability
Value: 59.62%
Peer Avg: 74.52%
#13 of 112 Top 10.7% in 750M-1B tier
17
Members Per Employee (MPE)
engagement
Value: 460.026
Peer Avg: 361.634
#17 of 112 Top 14.3% in 750M-1B tier
19
Loan Growth Rate
growth
Value: 11.76%
Peer Avg: 4.84%
#19 of 112 Top 16.1% in 750M-1B tier
19
Total Assets
balance_sheet
Value: $930.57M
Peer Avg: $859.01M
#19 of 112 Top 16.1% in 750M-1B tier
20
Net Charge-Off Rate
risk
Value: 0.24%
Peer Avg: 0.61%
#20 of 112 Top 17.0% in 750M-1B tier
24
Indirect Auto Concentration (%)
balance_sheet
Value: 0.74%
Peer Avg: 16.60%
#24 of 112 Top 20.5% in 750M-1B tier
24
Average Member Relationship (AMR)
engagement
Value: $34,346
Peer Avg: $28,651
#24 of 112 Top 20.5% in 750M-1B tier

Top Weaknesses (8 metrics)

111
Net Interest Margin (NIM)
profitability
Value: 1.75%
Peer Avg: 3.38%
#111 of 112 Bottom 1.8% in 750M-1B tier
111
Loan-to-Share Ratio
balance_sheet
Value: 40.58%
Peer Avg: 82.66%
#111 of 112 Bottom 1.8% in 750M-1B tier
111
Share Certificate Concentration (%)
balance_sheet
Value: 49.83%
Peer Avg: 28.34%
#111 of 112 Bottom 1.8% in 750M-1B tier
108
Total Loans
balance_sheet
Value: $346.63M
Peer Avg: $603.36M
#108 of 112 Bottom 4.5% in 750M-1B tier
103
First Mortgage Concentration (%)
balance_sheet
Value: 54.92%
Peer Avg: 33.64%
#103 of 112 Bottom 8.9% in 750M-1B tier
96
Fee Income Per Member
profitability
Value: $135.08
Peer Avg: $204.75
#96 of 112 Bottom 15.2% in 750M-1B tier
93
Asset Growth Rate
growth
Value: -0.66%
Peer Avg: 4.25%
#93 of 112 Bottom 17.9% in 750M-1B tier
93
Total Members
engagement
Value: 34,962
Peer Avg: 52,114
#93 of 112 Bottom 17.9% in 750M-1B tier