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
- + AMR Growth Rate: Top 0.7% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - ROA 0.21% below tier average
- - Efficiency ratio 4.19% above tier (higher cost structure)
- - Member decline: -18.4% YoY
- - Member Growth Rate: Bottom 0.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,583
-18.4% YoY+0.0% QoQ
|
-5.6K |
15,145
-2.5% YoY
|
19,510
+0.1% YoY
|
33,913
+5.7% YoY
|
30% |
| Assets |
$194.1M
+6.9% YoY+3.1% QoQ
|
$-37.7M |
$231.7M
+0.8% YoY
|
$385.1M
+5.4% YoY
|
$578.3M
+9.0% YoY
|
49% |
| Loans |
$41.1M
-7.2% YoY-2.0% QoQ
|
$-103.1M |
$144.1M
+0.2% YoY
|
$193.9M
+4.9% YoY
|
$402.4M
+8.7% YoY
|
Bottom 2.9% in tier |
| Deposits |
$175.3M
+7.4% YoY+3.3% QoQ
|
$-25.9M |
$201.1M
+0.4% YoY
|
$341.1M
+4.6% YoY
|
$494.3M
+9.1% YoY
|
52% |
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| ROA |
0.5%
-14.5% YoY+44.4% QoQ
|
-0.2% |
0.7%
+5.1% YoY
|
0.8%
-0.9% YoY
|
0.4%
-39.2% YoY
|
38% |
| NIM |
2.7%
+1.5% YoY+2.6% QoQ
|
-0.9% |
3.6%
+4.6% YoY
|
3.2%
+6.8% YoY
|
3.8%
+4.1% YoY
|
Bottom 7.7% in tier |
| Efficiency Ratio |
82.2%
+2.9% YoY+3.6% QoQ
|
+4.2% |
78.0%
-1.7% YoY
|
73.4%
-3.4% YoY
|
84.6%
+2.8% YoY
|
63% |
| Delinquency Rate |
0.4%
-80.3% YoY-32.6% QoQ
|
-0.4 |
0.8%
+7.1% YoY
|
1.1%
+17.2% YoY
|
1.2%
+3.4% YoY
|
27% |
| Loan To Share |
23.4%
-13.6% YoY-5.1% QoQ
|
-47.0% |
70.4%
-0.4% YoY
|
53.2%
-3.6% YoY
|
65.6%
-1.4% YoY
|
Bottom 0.8% in tier |
| AMR |
$22,578
+27.8% YoY+2.2% QoQ
|
$-2K |
$24,918
+2.7% YoY
|
$23,509
+4.4% YoY
|
$19,920
+1.6% YoY
|
48% |
| CD Concentration |
31.6%
+9.1% YoY-4.6% QoQ
|
+7.3% | 24.3% | 24.4% | 19.8% | 50% |
| Indirect Auto % |
1.4%
-31.1% YoY-11.1% QoQ
|
-12.4% | 13.8% | 4.9% | 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 (4)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)