BlastPoint's Credit Union Scorecard

UNIVERSITY OF HAWAII

Charter #10465 · HI

Community 750M-1B

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

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UNIVERSITY OF HAWAII has 7 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 59.3% in tier
+ Organic Growth Leader: Top 61.4% in tier
+ Relationship Depth Leader: Top 77.9% in tier
+ ROA 0.09% above tier average
+ Total Delinquency Rate (60+ days): Top 6.0% in tier
+ Efficiency Ratio: Top 9.4% in tier
+ Total Deposits: 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 5.1% in tier
- First Mortgage Concentration (%): Bottom 6.0% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (HI)	National Avg	Tier Percentile
Members	34,987 +2.0% YoY+0.1% QoQ	-17.1K	52,084 -1.6% YoY	19,461 +2.6% YoY	33,374 +5.7% YoY	19%
Assets	$926.3M +4.1% YoY-0.5% QoQ	+$62.4M	$863.9M +0.5% YoY	$378.0M +8.3% YoY	$561.6M +9.7% YoY	77%
Loans	$353.5M +12.8% YoY+2.0% QoQ	$-252.3M	$605.8M +1.4% YoY	$192.6M +6.6% YoY	$397.0M +8.8% YoY	Bottom 4.3% in tier
Deposits	$845.7M +2.0% YoY-1.0% QoQ	+$108.4M	$737.3M +0.1% YoY	$334.4M +8.0% YoY	$477.3M +9.7% YoY	Top 10.3% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.8% +286.5% YoY+1.7% QoQ	+0.1%	0.7% +39.1% YoY	0.8% +46.9% YoY	0.7% +15.9% YoY	61%
NIM	1.8% +29.9% YoY+2.3% QoQ	-1.6%	3.4% +8.7% YoY	3.1% +6.7% YoY	3.8% +5.1% YoY	Bottom 0.9% in tier
Efficiency Ratio	59.5% -25.0% YoY-0.2% QoQ	-14.9%	74.3% -3.6% YoY	73.8% -6.9% YoY	79.7% -3.3% YoY	Bottom 9.4% in tier
Delinquency Rate	0.2% -72.8% YoY-65.5% QoQ	-0.7	0.9% +3.8% YoY	1.2% -2.0% YoY	1.3% -2.1% YoY	Bottom 6.0% in tier
Loan To Share	41.8% +10.6% YoY+3.0% QoQ	-40.8%	82.6% +1.1% YoY	54.4% -2.4% YoY	67.4% -1.7% YoY	Bottom 2.6% in tier
AMR	$34,276 +2.9% YoY-0.2% QoQ	+$5K	$28,873 +2.7% YoY	$23,250 +4.8% YoY	$19,687 +2.0% YoY	78%
CD Concentration	48.4% +1.6% YoY-2.9% QoQ	+24.0%	24.4%	24.1%	19.8%	Top 1.8% in tier
Indirect Auto %	0.7% -30.8% YoY-8.0% QoQ	-13.1%	13.8%	5.0%	7.8%	35%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#353 of 595 • Top 59.3% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.96%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.83%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 0.68%

(Tier: 13.79%, National: 7.78%)

better than tier avg

913 nationally

→ No prior data (595 CUs now) | New qualifier

Organic Growth Leader

growth

#262 of 426 • Top 61.4% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.96%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.68%

(Tier: 13.79%, National: 7.78%)

better than tier avg

609 nationally

→ No prior data (426 CUs now) | New qualifier

Relationship Depth Leader

growth

#209 of 268 • Top 77.9% 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): 2.93%

(Tier: 4.17%, National: 4.00%)

but worse than tier avg

Share Draft per Member: $3.2K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 282 Community CUs have this signature | 351 nationally

↑ Growing +46 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)

Compare against:

Comparing against 117 peers in tier

Top Strengths (8 metrics)

Total Delinquency Rate (60+ days)

risk

Value: 0.22%

Peer Median: -

#8 of 117 Top 6.0% in 750M-1B tier

Efficiency Ratio

profitability

Value: 59.48%

Peer Median: -

#12 of 117 Top 9.4% in 750M-1B tier

Total Deposits

balance_sheet

Value: $845.73M

Peer Median: -

#12 of 117 Top 9.4% in 750M-1B tier

Loan Growth Rate

growth

Value: 12.77%

Peer Median: -

#14 of 117 Top 11.1% in 750M-1B tier

Members Per Employee (MPE)

engagement

Value: 460.355

Peer Median: -

#20 of 117 Top 16.2% in 750M-1B tier

Indirect Auto Concentration (%)

balance_sheet

Value: 0.68%

Peer Median: -

#24 of 117 Top 19.7% in 750M-1B tier

Average Member Relationship (AMR)

engagement

Value: $34,276

Peer Median: -

#26 of 117 Top 21.4% in 750M-1B tier

Total Assets

balance_sheet

Value: $926.27M

Peer Median: -

#27 of 117 Top 22.2% in 750M-1B tier

Top Weaknesses (8 metrics)

116

Net Interest Margin (NIM)

profitability

Value: 1.79%

Peer Median: -

#116 of 117 Bottom 1.7% in 750M-1B tier

116

Share Certificate Concentration (%)

balance_sheet

Value: 48.41%

Peer Median: -

#116 of 117 Bottom 1.7% in 750M-1B tier

114

Loan-to-Share Ratio

balance_sheet

Value: 41.80%

Peer Median: -

#114 of 117 Bottom 3.4% in 750M-1B tier

112

Total Loans

balance_sheet

Value: $353.50M

Peer Median: -

#112 of 117 Bottom 5.1% in 750M-1B tier

111

First Mortgage Concentration (%)

balance_sheet

Value: 56.74%

Peer Median: -

#111 of 117 Bottom 6.0% in 750M-1B tier

Total Members

engagement

Value: 34,987

Peer Median: -

#95 of 117 Bottom 19.7% in 750M-1B tier

Fee Income Per Member

profitability

Value: $148.38

Peer Median: -

#94 of 117 Bottom 20.5% in 750M-1B tier

Deposit Growth Rate

growth

Value: 2.00%

Peer Median: -

#93 of 117 Bottom 21.4% in 750M-1B tier