BlastPoint's Credit Union Scorecard
BIG ISLAND
Charter #1607 · HI
BIG ISLAND has 1 strength but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 61.1% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 38.3% in tier
- - Institutional Decline: Bottom 40.6% in tier
- - Membership Headwinds: Bottom 66.2% in tier
- - ROA 0.40% below tier average
- - Efficiency ratio 2.31% above tier (higher cost structure)
- - Loan-to-Share Ratio: Bottom 0.8% in tier
- - Loan Growth Rate: Bottom 1.6% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.7% in tier
- - Total Loans: Bottom 2.9% in tier
- - Net Charge-Off Rate: Bottom 4.0% in tier
- - Net Interest Margin (NIM): Bottom 8.4% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
9,581
-1.8% YoY-0.6% QoQ
|
-5.9K |
15,437
-2.9% YoY
|
19,461
+2.6% YoY
|
33,374
+5.7% YoY
|
28% |
| Assets |
$188.3M
+9.7% YoY+0.1% QoQ
|
$-43.6M |
$231.9M
+1.3% YoY
|
$378.0M
+8.3% YoY
|
$561.6M
+9.7% YoY
|
48% |
| Loans |
$41.9M
-11.8% YoY+0.3% QoQ
|
$-105.4M |
$147.3M
-0.1% YoY
|
$192.6M
+6.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 2.8% in tier |
| Deposits |
$169.7M
+10.3% YoY+0.0% QoQ
|
$-31.1M |
$200.8M
+0.8% YoY
|
$334.4M
+8.0% YoY
|
$477.3M
+9.7% YoY
|
49% |
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| ROA |
0.4%
-42.0% YoY-299.3% QoQ
|
-0.4% |
0.8%
+18.2% YoY
|
0.8%
+46.9% YoY
|
0.7%
+15.9% YoY
|
22% |
| NIM |
2.7%
-5.8% YoY-0.2% QoQ
|
-0.9% |
3.6%
+6.7% YoY
|
3.1%
+6.7% YoY
|
3.8%
+5.1% YoY
|
Bottom 8.3% in tier |
| Efficiency Ratio |
79.3%
+2.3% YoY-0.3% QoQ
|
+2.3% |
77.0%
-3.1% YoY
|
73.8%
-6.9% YoY
|
79.7%
-3.3% YoY
|
58% |
| Delinquency Rate |
0.5%
-71.6% YoY-73.8% QoQ
|
-0.4 |
0.9%
+4.2% YoY
|
1.2%
-2.0% YoY
|
1.3%
-2.1% YoY
|
35% |
| Loan To Share |
24.7%
-20.0% YoY+0.3% QoQ
|
-47.5% |
72.2%
-1.1% YoY
|
54.4%
-2.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 0.7% in tier |
| AMR |
$22,086
+7.0% YoY+0.7% QoQ
|
$-3K |
$24,676
+3.4% YoY
|
$23,250
+4.8% YoY
|
$19,687
+2.0% YoY
|
47% |
| CD Concentration |
33.1%
+20.7% YoY+3.0% QoQ
|
+8.7% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % |
1.6%
-25.2% YoY-3.3% QoQ
|
-12.2% | 13.8% | 5.0% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)