HAWAII FIRST
Charter #10938 | HI
<100M
(2596 CUs)
Micro
($0-$500M)
21 <100M in HI
HAWAII FIRST has 7 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.61% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 1.8% in tier
- + Total Loans: Top 4.8% in tier
- + Asset Growth Rate: Top 6.7% in tier
- + Total Members: Top 9.2% in tier
- + Fee Income Per Member: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.13% below tier average
- - Efficiency ratio 0.88% above tier (higher cost structure)
- - Delinquency rate 2.69% above tier average
- - Member decline: -13.3% YoY
- - First Mortgage Concentration (%): Bottom 2.7% in tier
- - Member Growth Rate: Bottom 3.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,012
-13.3% YoY+1.5% QoQ
|
+3.4K |
2,625
-2.2% YoY
|
19,538
+4.7% YoY
|
33,089
+6.1% YoY
|
Top 9.2% in tier |
| Assets |
$70.1M
+11.0% YoY-1.4% QoQ
|
+$40.2M |
$29.9M
+1.1% YoY
|
$371.1M
+11.7% YoY
|
$547.7M
+7.8% YoY
|
Top 12.2% in tier |
| Loans |
$51.7M
+3.7% YoY+2.1% QoQ
|
+$36.0M |
$15.8M
-2.4% YoY
|
$190.1M
+8.2% YoY
|
$388.7M
+8.6% YoY
|
Top 4.8% in tier |
| Deposits |
$60.6M
+8.5% YoY-1.8% QoQ
|
+$35.1M |
$25.5M
+0.4% YoY
|
$328.7M
+11.9% YoY
|
$464.6M
+9.3% YoY
|
Top 11.7% in tier |
| ROA |
0.6%
+191.7% YoY+24.2% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.8%
+109.8% YoY
|
0.7%
+273.4% YoY
|
39th in tier |
| NIM |
4.5%
-7.0% YoY+2.4% QoQ
|
+0.6% |
3.9%
+3.8% YoY
|
3.1%
+10.9% YoY
|
3.7%
+5.0% YoY
|
74th in tier |
| Efficiency Ratio |
82.3%
-5.8% YoY-10.0% QoQ
|
+0.9% |
81.4%
-2.4% YoY
|
73.4%
-6.7% YoY
|
79.1%
-3.3% YoY
|
60th in tier |
| Delinquency Rate |
4.2%
+97.7% YoY-15.3% QoQ
|
+2.7 |
1.5%
-2.0% YoY
|
1.2%
-0.3% YoY
|
1.2%
-0.9% YoY
|
Top 7.7% in tier |
| Loan To Share |
85.4%
-4.5% YoY+4.0% QoQ
|
+24.2% |
61.2%
-3.0% YoY
|
55.2%
-1.0% YoY
|
68.0%
-1.7% YoY
|
Top 16.1% in tier |
| AMR |
$18,682
+22.6% YoY-1.5% QoQ
|
+$4K |
$14,627
-2.7% YoY
|
$22,988
+5.6% YoY
|
$19,418
+1.3% YoY
|
74th in tier |
| CD Concentration |
22.8%
+71.3% YoY+6.5% QoQ
|
-1.6% |
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 (12 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
48
AMR Growth Rate
growth
Value:
22.56%
Peer Avg: 4.67%
#48 of 2596
Top 1.8% in <100M tier
125
Total Loans
balance_sheet
Value:
$51.75M
Peer Avg: $15.77M
#125 of 2596
Top 4.8% in <100M tier
175
Asset Growth Rate
growth
Value:
10.97%
Peer Avg: 1.82%
#175 of 2596
Top 6.7% in <100M tier
240
Total Members
engagement
Value:
6,012
Peer Avg: 2,626
#240 of 2596
Top 9.2% in <100M tier
254
Fee Income Per Member
profitability
Value:
$171.58
Peer Avg: $182.96
#254 of 2596
Top 9.7% in <100M tier
303
Total Deposits
balance_sheet
Value:
$60.57M
Peer Avg: $25.45M
#303 of 2596
Top 11.6% in <100M tier
310
Deposit Growth Rate
growth
Value:
8.52%
Peer Avg: 16.80%
#310 of 2596
Top 11.9% in <100M tier
316
Total Assets
balance_sheet
Value:
$70.06M
Peer Avg: $29.86M
#316 of 2596
Top 12.1% in <100M tier
371
Loan-to-Member Ratio (LMR)
engagement
Value:
$8,607
Peer Avg: $5,488
#371 of 2596
Top 14.3% in <100M tier
Top Weaknesses (6 metrics)
2528
First Mortgage Concentration (%)
balance_sheet
Value:
67.03%
Peer Avg: 14.49%
#2528 of 2596
Bottom 2.7% in <100M tier
2504
Member Growth Rate
growth
Value:
-13.32%
Peer Avg: 14.92%
#2504 of 2596
Bottom 3.6% in <100M tier
2396
Total Delinquency Rate (60+ days)
risk
Value:
4.20%
Peer Avg: 1.51%
#2396 of 2596
Bottom 7.7% in <100M tier
2267
Net Worth Ratio
risk
Value:
9.49%
Peer Avg: 16.43%
#2267 of 2596
Bottom 12.7% in <100M tier
2185
Net Charge-Off Rate
risk
Value:
0.92%
Peer Avg: 0.57%
#2185 of 2596
Bottom 15.9% in <100M tier
1978
Members Per Employee (MPE)
engagement
Value:
240.480
Peer Avg: 365.701
#1978 of 2596
Bottom 23.8% in <100M tier