BlastPoint's Credit Union Scorecard
HAWAII FIRST
Charter #10938 · HI
2556 CUs in <100M nationally
21 in HI
HAWAII FIRST has 10 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.06% above tier average
- + Net Interest Margin 0.62% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Fee Income Per Member: Top 4.8% in tier
- + Total Loans: Top 5.1% in tier
- + Member Growth Rate: Top 6.8% in tier
- + Asset Growth Rate: Top 7.7% in tier
- + Total Members: Top 8.6% in tier
- + Deposit Growth Rate: Top 9.0% in tier
- + Total Deposits: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 3.37% above tier average
- - First Mortgage Concentration (%): Bottom 2.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 6.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,100
+4.5% YoY+1.5% QoQ
|
+3.5K |
2,615
-1.9% YoY
|
19,461
+2.6% YoY
|
33,374
+5.7% YoY
|
Top 8.7% in tier |
| Assets |
$73.9M
+10.8% YoY+5.5% QoQ
|
+$43.8M |
$30.1M
+2.1% YoY
|
$378.0M
+8.3% YoY
|
$561.6M
+9.7% YoY
|
Top 10.4% in tier |
| Loans |
$50.9M
+4.7% YoY-1.6% QoQ
|
+$35.1M |
$15.8M
-1.3% YoY
|
$192.6M
+6.6% YoY
|
$397.0M
+8.8% YoY
|
Top 5.2% in tier |
| Deposits |
$64.1M
+10.5% YoY+5.8% QoQ
|
+$38.4M |
$25.7M
+1.4% YoY
|
$334.4M
+8.0% YoY
|
$477.3M
+9.7% YoY
|
Top 9.9% in tier |
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| ROA |
0.7%
+134.8% YoY+23.8% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
0.8%
+46.9% YoY
|
0.7%
+15.9% YoY
|
50% |
| NIM |
4.6%
-5.8% YoY+0.7% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
3.1%
+6.7% YoY
|
3.8%
+5.1% YoY
|
76% |
| Efficiency Ratio |
76.2%
-12.9% YoY-7.3% QoQ
|
-6.3% |
82.6%
-2.3% YoY
|
73.8%
-6.9% YoY
|
79.7%
-3.3% YoY
|
41% |
| Delinquency Rate |
4.9%
+55.5% YoY+17.5% QoQ
|
+3.4 |
1.6%
-3.1% YoY
|
1.2%
-2.0% YoY
|
1.3%
-2.1% YoY
|
Top 6.3% in tier |
| Loan To Share |
79.5%
-5.2% YoY-7.0% QoQ
|
+18.8% |
60.6%
-3.1% YoY
|
54.4%
-2.4% YoY
|
67.4%
-1.7% YoY
|
78% |
| AMR |
$18,849
+3.2% YoY+0.9% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$23,250
+4.8% YoY
|
$19,687
+2.0% YoY
|
74% |
| CD Concentration |
25.4%
+41.4% YoY+11.7% QoQ
|
+1.0% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.0% | 7.8% | 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 (13 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
123
Fee Income Per Member
profitability
Value:
$220.32
Peer Median: -
#123 of 2556
Top 4.8% in <100M tier
132
Total Loans
balance_sheet
Value:
$50.91M
Peer Median: -
#132 of 2556
Top 5.1% in <100M tier
175
Member Growth Rate
growth
Value:
4.47%
Peer Median: -
#175 of 2556
Top 6.8% in <100M tier
199
Asset Growth Rate
growth
Value:
10.78%
Peer Median: -
#199 of 2556
Top 7.7% in <100M tier
222
Total Members
engagement
Value:
6,100
Peer Median: -
#222 of 2556
Top 8.6% in <100M tier
231
Deposit Growth Rate
growth
Value:
10.49%
Peer Median: -
#231 of 2556
Top 9.0% in <100M tier
253
Total Deposits
balance_sheet
Value:
$64.07M
Peer Median: -
#253 of 2556
Top 9.9% in <100M tier
265
Total Assets
balance_sheet
Value:
$73.92M
Peer Median: -
#265 of 2556
Top 10.3% in <100M tier
407
Loan-to-Member Ratio (LMR)
engagement
Value:
$8,346
Peer Median: -
#407 of 2556
Top 15.9% in <100M tier
Top Weaknesses (6 metrics)
2491
First Mortgage Concentration (%)
balance_sheet
Value:
68.39%
Peer Median: -
#2491 of 2556
Bottom 2.6% in <100M tier
2395
Total Delinquency Rate (60+ days)
risk
Value:
4.93%
Peer Median: -
#2395 of 2556
Bottom 6.3% in <100M tier
2262
Net Worth Ratio
risk
Value:
9.26%
Peer Median: -
#2262 of 2556
Bottom 11.5% in <100M tier
2152
Net Charge-Off Rate
risk
Value:
1.03%
Peer Median: -
#2152 of 2556
Bottom 15.8% in <100M tier
1984
Members Per Employee (MPE)
engagement
Value:
234.615
Peer Median: -
#1984 of 2556
Bottom 22.4% in <100M tier
1936
Share Certificate Concentration (%)
balance_sheet
Value:
25.41%
Peer Median: -
#1936 of 2556
Bottom 24.3% in <100M tier