BlastPoint's Credit Union Scorecard

UNIVERSITY OF HAWAII

Charter #10465 · HI

Community 750M-1B

111 CUs in 750M-1B nationally 3 in HI

View Community leaderboard →

UNIVERSITY OF HAWAII has 8 strengths but faces 5 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 25.1% in tier
+ Organic Growth Leader: Top 25.1% in tier
+ Relationship Depth Leader: Top 28.6% in tier
+ Wallet Share Momentum: Top 28.6% in tier
+ ROA 0.48% above tier average
+ Total Deposits: Top 0.9% in tier
+ Efficiency Ratio: Top 2.7% in tier
+ Total Assets: Top 3.6% in tier

Key Concerns

Areas that may need attention

- Net Interest Margin (NIM): Bottom 1.8% in tier
- Share Certificate Concentration (%): Bottom 1.8% in tier
- Loan-to-Share Ratio: Bottom 3.6% in tier
- First Mortgage Concentration (%): Bottom 4.5% in tier
- Total Loans: Bottom 5.4% 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 111 credit unions with $750M-$1B in assets nationally, and 1 of 3 that size in Hawaii.
Shares and deposits +5.8% year over year ($896M in shares and deposits).
Membership: 35,521 members, +2.5% vs a year ago.
Delinquency rate 0.30%.
Return on assets 1.33%.
Efficiency ratio 50.14% vs a 74.54% peer average.
Loan-to-share ratio 43.47% vs a 82.60% 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	35,521 +2.5% YoY+0.5% QoQ	-17.0K	52,482 +1.3% YoY	19,590 +0.5% YoY	34,678 +6.6% YoY	16%
Assets	$975.7M +6.9% YoY+2.0% QoQ	+$111.8M	$863.9M +0.5% YoY	$386.0M +4.8% YoY	$593.1M +10.2% YoY	Top 4.5% in tier
Loans	$389.4M +16.4% YoY+6.6% QoQ	$-218.3M	$607.8M +2.1% YoY	$197.3M +5.5% YoY	$418.6M +10.1% YoY	Bottom 4.5% in tier
Deposits	$895.9M +5.8% YoY+2.1% QoQ	+$156.0M	$739.9M +0.2% YoY	$341.6M +4.3% YoY	$504.8M +10.3% YoY	Top 1.8% 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	1.3% +81.0% YoY+33.9% QoQ	+0.5%	0.8% +30.4% YoY	1.0% +38.1% YoY	1.2% +121.4% YoY	81%
NIM	2.1% +26.4% YoY+1.4% QoQ	-1.4%	3.5% +6.2% YoY	3.2% +7.0% YoY	3.8% +2.3% YoY	Bottom 0.9% in tier
Efficiency Ratio	50.1% -19.2% YoY-10.8% QoQ	-24.4%	74.5% -1.4% YoY	73.0% -3.2% YoY	83.0% -5.3% YoY	Top 2.7% in tier
Delinquency Rate	0.3% -62.6% YoY+51.6% QoQ	-0.5	0.8% +1.0% YoY	1.3% -1.1% YoY	1.3% +2.6% YoY	16%
Loan To Share	43.5% +10.1% YoY+4.5% QoQ	-39.1%	82.6% +1.9% YoY	53.4% -3.2% YoY	66.4% -1.4% YoY	Bottom 2.7% in tier
AMR	$36,187 +6.1% YoY+2.9% QoQ	+$7K	$28,702 +0.4% YoY	$23,604 +3.8% YoY	$20,028 -0.9% YoY	85%
CD Concentration	50.1% +2.9% YoY+2.6% QoQ	+25.6%	24.6%	25.0%	20.0%	Top 1.5% in tier
Indirect Auto %	0.6% -25.5% YoY+1.8% QoQ	-13.0%	13.6%	4.8%	7.7%	34%

Signature Analysis

Strengths (4)

Organic Growth Engine

growth

#107 of 344 • Top 25.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.52%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 1.33%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Indirect Auto %: 0.62%

(Tier: 13.63%, National: 7.71%)

better than tier avg

490 nationally

↓ Shrinking -271 CUs YoY | Rank improving

Relationship Depth Leader

growth

#106 of 262 • Top 28.6% 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): 6.10%

(Tier: 3.97%, National: 35.20%)

better than tier avg

Share Draft per Member: $3.3K

(Tier: $2.9K, National: $2.1K)

better than tier avg

262 of 276 Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY | Rank improving

Organic Growth Leader

growth

#172 of 342 • Top 25.1% in tier

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

Why This Signature

Member Growth (YoY): 2.52%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 0.62%

(Tier: 13.63%, National: 7.71%)

better than tier avg

485 nationally

↓ Shrinking -91 CUs YoY | Rank improving

Wallet Share Momentum

growth

#369 of 483 • Top 28.6% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.10%

(Tier: 3.97%, National: 35.20%)

better than tier avg

635 nationally

↑ Growing +52 CUs YoY | New qualifier

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 111 peers in tier

Top Strengths (10 metrics)

Total Deposits

balance_sheet

Value: $895.94M

Peer Median: $737.84M

#2 of 111 Top 0.9% in 750M-1B tier

Efficiency Ratio

profitability

Value: 50.14%

Peer Median: 75.82%

#4 of 111 Top 2.7% in 750M-1B tier

Total Assets

balance_sheet

Value: $975.72M

Peer Median: $860.94M

#5 of 111 Top 3.6% in 750M-1B tier

Loan Growth Rate

growth

Value: 16.43%

Peer Median: 3.68%

#7 of 111 Top 5.4% in 750M-1B tier

Members Per Employee (MPE)

engagement

Value: 467.382

Peer Median: 322.694

#16 of 111 Top 13.5% in 750M-1B tier

Average Member Relationship (AMR)

engagement

Value: $36,187

Peer Median: $26,161

#17 of 111 Top 14.4% in 750M-1B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.30%

Peer Median: 0.60%

#19 of 111 Top 16.2% in 750M-1B tier

Return on Assets (ROA)

profitability

Value: 1.33%

Peer Median: 0.81%

#21 of 111 Top 18.0% in 750M-1B tier

Net Charge-Off Rate

risk

Value: 0.19%

Peer Median: 0.47%

#23 of 111 Top 19.8% in 750M-1B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.62%

Peer Median: 14.99%

#23 of 111 Top 19.8% in 750M-1B tier

Top Weaknesses (6 metrics)

110

Net Interest Margin (NIM)

profitability

Value: 2.11%

Peer Median: 3.51%

#110 of 111 Bottom 1.8% in 750M-1B tier

110

Share Certificate Concentration (%)

balance_sheet

Value: 50.11%

Peer Median: 27.05%

#110 of 111 Bottom 1.8% in 750M-1B tier

108

Loan-to-Share Ratio

balance_sheet

Value: 43.47%

Peer Median: 84.77%

#108 of 111 Bottom 3.6% in 750M-1B tier

107

First Mortgage Concentration (%)

balance_sheet

Value: 60.21%

Peer Median: 33.51%

#107 of 111 Bottom 4.5% in 750M-1B tier

106

Total Loans

balance_sheet

Value: $389.44M

Peer Median: $626.83M

#106 of 111 Bottom 5.4% in 750M-1B tier

Total Members

engagement

Value: 35,521

Peer Median: 52,842

#93 of 111 Bottom 17.1% in 750M-1B tier