BlastPoint's Credit Union Scorecard
HAWAII FIRST
Charter #10938 · HI
<100M
2508 CUs in <100M nationally
20 in HI
HAWAII FIRST has 8 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.98% above tier average
- + Net Interest Margin 0.65% above tier average
- + Total Loans: Top 5.6% in tier
- + Fee Income Per Member: Top 5.8% in tier
- + Asset Growth Rate: Top 6.7% in tier
- + Deposit Growth Rate: Top 6.9% in tier
- + Total Deposits: Top 8.0% in tier
- + Total Members: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.43% above tier average
- - First Mortgage Concentration (%): Bottom 2.4% in tier
- - Total Delinquency Rate (60+ days): Bottom 7.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,090
+3.7% YoY-0.2% QoQ
|
+3.4K |
2,676
+1.6% YoY
|
19,510
+0.1% YoY
|
33,913
+5.7% YoY
|
Top 8.3% in tier |
| Assets |
$77.2M
+10.5% YoY+4.5% QoQ
|
+$47.0M |
$30.2M
+1.3% YoY
|
$385.1M
+5.4% YoY
|
$578.3M
+9.0% YoY
|
Top 8.8% in tier |
| Loans |
$48.4M
-3.6% YoY-4.8% QoQ
|
+$33.2M |
$15.3M
-2.0% YoY
|
$193.9M
+4.9% YoY
|
$402.4M
+8.7% YoY
|
Top 5.7% in tier |
| Deposits |
$67.4M
+11.2% YoY+5.2% QoQ
|
+$41.6M |
$25.8M
+0.7% YoY
|
$341.1M
+4.6% YoY
|
$494.3M
+9.1% YoY
|
Top 8.0% in tier |
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| ROA |
1.1%
+165.5% YoY+64.9% QoQ
|
+1.0% |
0.1%
-77.6% YoY
|
0.8%
-0.9% YoY
|
0.4%
-39.2% YoY
|
74% |
| NIM |
4.7%
+6.7% YoY+1.8% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
3.2%
+6.8% YoY
|
3.8%
+4.1% YoY
|
81% |
| Efficiency Ratio |
76.3%
-18.2% YoY+0.1% QoQ
|
-14.3% |
90.6%
+6.5% YoY
|
73.4%
-3.4% YoY
|
84.6%
+2.8% YoY
|
38% |
| Delinquency Rate |
3.9%
+1.6% YoY-20.1% QoQ
|
+2.4 |
1.5%
+3.8% YoY
|
1.1%
+17.2% YoY
|
1.2%
+3.4% YoY
|
Bottom 7.9% in tier |
| Loan To Share |
71.9%
-13.3% YoY-9.5% QoQ
|
+13.4% |
58.5%
-3.0% YoY
|
53.2%
-3.6% YoY
|
65.6%
-1.4% YoY
|
70% |
| AMR |
$19,021
+0.8% YoY+0.9% QoQ
|
+$4K |
$14,884
-1.7% YoY
|
$23,509
+4.4% YoY
|
$19,920
+1.6% YoY
|
74% |
| CD Concentration |
27.8%
+34.2% YoY+9.3% QoQ
|
+3.5% | 24.3% | 24.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.9% | 7.7% | 50% |
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 (11 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
142
Total Loans
balance_sheet
Value:
$48.44M
Peer Median: $9.48M
#142 of 2508
Top 5.6% in <100M tier
146
Fee Income Per Member
profitability
Value:
$190.46
Peer Median: $60.42
#146 of 2508
Top 5.8% in <100M tier
169
Asset Growth Rate
growth
Value:
10.47%
Peer Median: 1.30%
#169 of 2508
Top 6.7% in <100M tier
174
Deposit Growth Rate
growth
Value:
11.24%
Peer Median: 0.66%
#174 of 2508
Top 6.9% in <100M tier
201
Total Deposits
balance_sheet
Value:
$67.40M
Peer Median: $18.77M
#201 of 2508
Top 8.0% in <100M tier
208
Total Members
engagement
Value:
6,090
Peer Median: 1,918
#208 of 2508
Top 8.3% in <100M tier
220
Total Assets
balance_sheet
Value:
$77.24M
Peer Median: $21.86M
#220 of 2508
Top 8.7% in <100M tier
242
Member Growth Rate
growth
Value:
3.66%
Peer Median: -1.37%
#242 of 2508
Top 9.6% in <100M tier
451
Loan-to-Member Ratio (LMR)
engagement
Value:
$7,954
Peer Median: $4,923
#451 of 2508
Top 17.9% in <100M tier
Top Weaknesses (6 metrics)
2449
First Mortgage Concentration (%)
balance_sheet
Value:
69.04%
Peer Median: 3.66%
#2449 of 2508
Bottom 2.4% in <100M tier
2311
Total Delinquency Rate (60+ days)
risk
Value:
3.94%
Peer Median: 0.65%
#2311 of 2508
Bottom 7.9% in <100M tier
2229
Net Worth Ratio
risk
Value:
9.14%
Peer Median: 14.28%
#2229 of 2508
Bottom 11.2% in <100M tier
2102
Net Charge-Off Rate
risk
Value:
0.87%
Peer Median: 0.07%
#2102 of 2508
Bottom 16.2% in <100M tier
2027
Members Per Employee (MPE)
engagement
Value:
217.500
Peer Median: 333.750
#2027 of 2508
Bottom 19.2% in <100M tier
1988
Share Certificate Concentration (%)
balance_sheet
Value:
27.78%
Peer Median: 12.45%
#1988 of 2508
Bottom 20.8% in <100M tier