BlastPoint's Credit Union Scorecard
HAWAII FIRST
Charter #10938 · HI
HAWAII FIRST has 4 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.70% above tier average
- + Fee Income Per Member: Top 4.6% in tier
- + Total Loans: Top 5.9% in tier
- + Total Members: Top 8.2% in tier
Key Concerns
Areas that may need attention
- - ROA 0.61% below tier average
- - Delinquency rate 2.14% above tier average
- - First Mortgage Concentration (%): Bottom 2.4% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 20 that size in Hawaii.
- Shares and deposits +2.5% year over year ($63.2M in shares and deposits).
- Membership: 6,117 members, +3.2% vs a year ago.
- Delinquency rate 3.68%.
- Return on assets 0.88%.
- Efficiency ratio 76.37% vs a 88.77% peer average.
- Loan-to-share ratio 76.59% vs a 58.89% 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 |
6,117
+3.2% YoY+0.4% QoQ
|
+3.5K |
2,585
-1.7% YoY
|
19,590
+0.5% YoY
|
34,678
+6.6% YoY
|
Top 8.3% in tier |
| Assets |
$73.4M
+3.3% YoY-5.0% QoQ
|
+$43.1M |
$30.3M
+1.5% YoY
|
$386.0M
+4.8% YoY
|
$593.1M
+10.2% YoY
|
Top 11.0% in tier |
| Loans |
$48.4M
-4.4% YoY-0.0% QoQ
|
+$33.0M |
$15.5M
-1.7% YoY
|
$197.3M
+5.5% YoY
|
$418.6M
+10.1% YoY
|
Top 5.9% in tier |
| Deposits |
$63.2M
+2.5% YoY-6.2% QoQ
|
+$37.4M |
$25.8M
+1.1% YoY
|
$341.6M
+4.3% YoY
|
$504.8M
+10.3% YoY
|
Top 10.5% in tier |
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| ROA |
0.9%
+97.5% YoY-22.1% QoQ
|
-0.6% |
1.5%
+241.5% YoY
|
1.0%
+38.1% YoY
|
1.2%
+121.4% YoY
|
54% |
| NIM |
4.6%
+3.6% YoY-1.3% QoQ
|
+0.7% |
3.9%
+0.9% YoY
|
3.2%
+7.0% YoY
|
3.8%
+2.3% YoY
|
79% |
| Efficiency Ratio |
76.4%
-16.4% YoY+0.0% QoQ
|
-12.4% |
88.8%
-6.9% YoY
|
73.0%
-3.2% YoY
|
83.0%
-5.3% YoY
|
39% |
| Delinquency Rate |
3.7%
-25.7% YoY-6.4% QoQ
|
+2.1 |
1.5%
+2.1% YoY
|
1.3%
-1.1% YoY
|
1.3%
+2.6% YoY
|
Bottom 10.2% in tier |
| Loan To Share |
76.6%
-6.8% YoY+6.6% QoQ
|
+17.7% |
58.9%
-3.1% YoY
|
53.4%
-3.2% YoY
|
66.4%
-1.4% YoY
|
76% |
| AMR |
$18,254
-3.7% YoY-4.0% QoQ
|
+$3K |
$14,963
-6.8% YoY
|
$23,604
+3.8% YoY
|
$20,028
-0.9% YoY
|
70% |
| CD Concentration |
21.5%
+0.7% YoY-22.5% QoQ
|
-3.0% | 24.6% | 25.0% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 4.8% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)