BlastPoint's Credit Union Scorecard
BIG ISLAND
Charter #1607 · HI
BIG ISLAND has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Total Delinquency Rate (60+ days): Top 8.5% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - ROA 0.16% below tier average
- - Efficiency ratio 2.52% above tier (higher cost structure)
- - Loan-to-Share Ratio: Bottom 1.1% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.1% in tier
- - Total Loans: Bottom 3.3% in tier
- - Net Interest Margin (NIM): Bottom 8.4% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 15 that size in Hawaii.
- Shares and deposits +6.3% year over year ($175M in shares and deposits).
- Membership: 9,555 members, -1.2% vs a year ago.
- Delinquency rate 0.16%.
- Return on assets 0.71%.
- Efficiency ratio 79.25% vs a 76.73% peer average.
- Loan-to-share ratio 24.25% vs a 71.54% 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 |
9,555
-1.2% YoY-0.3% QoQ
|
-5.6K |
15,168
-2.6% YoY
|
19,590
+0.5% YoY
|
34,678
+6.6% YoY
|
30% |
| Assets |
$194.5M
+6.5% YoY+0.2% QoQ
|
$-37.5M |
$232.0M
+0.7% YoY
|
$386.0M
+4.8% YoY
|
$593.1M
+10.2% YoY
|
49% |
| Loans |
$42.5M
+1.8% YoY+3.5% QoQ
|
$-103.7M |
$146.3M
+0.2% YoY
|
$197.3M
+5.5% YoY
|
$418.6M
+10.1% YoY
|
Bottom 3.2% in tier |
| Deposits |
$175.3M
+6.3% YoY+0.0% QoQ
|
$-25.4M |
$200.7M
+0.2% YoY
|
$341.6M
+4.3% YoY
|
$504.8M
+10.3% YoY
|
52% |
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| ROA |
0.7%
+687.4% YoY+35.2% QoQ
|
-0.2% |
0.9%
+12.5% YoY
|
1.0%
+38.1% YoY
|
1.2%
+121.4% YoY
|
46% |
| NIM |
2.8%
+5.9% YoY+3.7% QoQ
|
-0.8% |
3.7%
+4.5% YoY
|
3.2%
+7.0% YoY
|
3.8%
+2.3% YoY
|
Bottom 8.3% in tier |
| Efficiency Ratio |
79.3%
-0.7% YoY-3.6% QoQ
|
+2.5% |
76.7%
-0.8% YoY
|
73.0%
-3.2% YoY
|
83.0%
-5.3% YoY
|
56% |
| Delinquency Rate |
0.2%
-91.6% YoY-55.5% QoQ
|
-0.7 |
0.9%
+6.6% YoY
|
1.3%
-1.1% YoY
|
1.3%
+2.6% YoY
|
Top 8.5% in tier |
| Loan To Share |
24.3%
-4.2% YoY+3.4% QoQ
|
-47.3% |
71.5%
-0.3% YoY
|
53.4%
-3.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 1.0% in tier |
| AMR |
$22,797
+6.7% YoY+1.0% QoQ
|
$-2K |
$25,107
+3.2% YoY
|
$23,604
+3.8% YoY
|
$20,028
-0.9% YoY
|
48% |
| CD Concentration |
31.9%
+1.6% YoY+0.9% QoQ
|
+7.3% | 24.6% | 25.0% | 20.0% | 50% |
| Indirect Auto % |
1.2%
-36.1% YoY-15.7% QoQ
|
-12.4% | 13.6% | 4.8% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)