BIG ISLAND

Charter #1607 | HI

100M-500M (1077 CUs) Micro
14 100M-500M in HI

BIG ISLAND has 4 strengths but faces 13 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 8.9% in tier
  • + Relationship Depth Leader: Top 10.0% in tier
  • + Deposit Growth Rate: Top 8.0% in tier
  • + Asset Growth Rate: Top 9.3% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 11.4% in tier
  • - Institutional Decline: Bottom 13.2% in tier
  • - Membership Headwinds: Bottom 22.0% in tier
  • - Stagnation Risk: Bottom 31.8% in tier
  • - ROA 0.97% below tier average
  • - Efficiency ratio 2.30% above tier (higher cost structure)
  • - Delinquency rate 1.19% above tier average
  • - Loan-to-Share Ratio: Bottom 0.8% in tier
  • - Loan Growth Rate: Bottom 1.5% in tier
  • - Total Loans: Bottom 2.5% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 2.7% in tier
  • - Total Delinquency Rate (60+ days): Bottom 5.9% in tier
  • - Net Interest Margin (NIM): Bottom 8.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (HI) National Avg Tier Percentile
Members 9,642
-1.7% YoY-0.3% QoQ
 -6.0K 15,628
-3.4% YoY
 19,538
+4.7% YoY
 33,089
+6.1% YoY
 28th in tier
Assets $188.1M
+10.7% YoY+3.0% QoQ
 $-43.2M $231.3M
-0.0% YoY
 $371.1M
+11.7% YoY
 $547.7M
+7.8% YoY
 47th in tier
Loans $41.8M
-13.1% YoY+0.0% QoQ
 $-106.0M $147.8M
-1.4% YoY
 $190.1M
+8.2% YoY
 $388.7M
+8.6% YoY
 Bottom 2.4% in tier
Deposits $169.6M
+11.5% YoY+2.8% QoQ
 $-30.7M $200.3M
-0.0% YoY
 $328.7M
+11.9% YoY
 $464.6M
+9.3% YoY
 49th in tier
ROA -0.2%
-127.2% YoY-302.4% QoQ
 -1.0% 0.8%
+15.5% YoY
 0.8%
+109.8% YoY
 0.7%
+273.4% YoY
 Bottom 4.6% in tier
NIM 2.7%
-7.5% YoY-0.2% QoQ
 -0.9% 3.6%
+6.9% YoY
 3.1%
+10.9% YoY
 3.7%
+5.0% YoY
 Bottom 8.8% in tier
Efficiency Ratio 79.6%
+4.5% YoY-0.3% QoQ
 +2.3% 77.3%
-3.0% YoY
 73.4%
-6.7% YoY
 79.1%
-3.3% YoY
 60th in tier
Delinquency Rate 2.1%
+15.5% YoY+7.4% QoQ
 +1.2 0.9%
+7.6% YoY
 1.2%
-0.3% YoY
 1.2%
-0.9% YoY
 Top 5.9% in tier
Loan To Share 24.6%
-22.0% YoY-2.7% QoQ
 -48.1% 72.7%
-1.5% YoY
 55.2%
-1.0% YoY
 68.0%
-1.7% YoY
 Bottom 0.7% in tier
AMR $21,928
+7.4% YoY+2.6% QoQ
 $-2K $24,363
+2.9% YoY
 $22,988
+5.6% YoY
 $19,418
+1.3% YoY
 47th in tier
CD Concentration 32.1%
+24.1% YoY+2.5% QoQ
 +7.7% 24.4%
+4.2% YoY
 23.5%
+10.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 1.6%
-28.6% YoY-11.9% QoQ
 -12.3% 14.0%
-5.8% YoY
 5.1%
-6.8% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#245 of 1006 • Top 8.9% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 7.41%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Relationship Depth Leader

growth
#278 of 1006 • Top 10.0% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 7.41%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $2.6K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Concerns (4)

Credit Quality Pressure

risk
#282 of 736 • Bottom 11.4% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.28% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank worsening

Institutional Decline

decline
#105 of 256 • Bottom 13.2% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $188.15M
(Tier: $231.30M, National: $547.69M)
worse than tier avg
Member Growth (YoY): -1.69%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Loan Growth (YoY): -13.05%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
256 of 1077 Community CUs have this signature | 293 nationally
↓ Shrinking -43 CUs YoY | Rank improving

Membership Headwinds

decline
#362 of 550 • Bottom 22.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -1.69%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Stagnation Risk

risk
#524 of 550 • Bottom 31.8% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: -0.18%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -1.69%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $21.9K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 32.12%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

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)

Comparing against 1077 peers in tier

Top Strengths (4 metrics)

87
Deposit Growth Rate
growth
Value: 11.48%
Peer Avg: 4.69%
#87 of 1077 Top 8.0% in 100M-500M tier
101
Asset Growth Rate
growth
Value: 10.66%
Peer Avg: 4.70%
#101 of 1077 Top 9.3% in 100M-500M tier
190
AMR Growth Rate
growth
Value: 7.41%
Peer Avg: 3.64%
#190 of 1077 Top 17.5% in 100M-500M tier
192
Net Charge-Off Rate
risk
Value: 0.12%
Peer Avg: 0.47%
#192 of 1077 Top 17.7% in 100M-500M tier

Top Weaknesses (9 metrics)

1069
Loan-to-Share Ratio
balance_sheet
Value: 24.64%
Peer Avg: 72.70%
#1069 of 1077 Bottom 0.8% in 100M-500M tier
1062
Loan Growth Rate
growth
Value: -13.05%
Peer Avg: 3.45%
#1062 of 1077 Bottom 1.5% in 100M-500M tier
1051
Total Loans
balance_sheet
Value: $41.79M
Peer Avg: $147.80M
#1051 of 1077 Bottom 2.5% in 100M-500M tier
1049
Loan-to-Member Ratio (LMR)
engagement
Value: $4,334
Peer Avg: $10,245
#1049 of 1077 Bottom 2.7% in 100M-500M tier
1027
Return on Assets (ROA)
profitability
Value: -0.18%
Peer Avg: 0.79%
#1027 of 1077 Bottom 4.7% in 100M-500M tier
1014
Total Delinquency Rate (60+ days)
risk
Value: 2.05%
Peer Avg: 0.86%
#1014 of 1077 Bottom 5.9% in 100M-500M tier
982
Net Interest Margin (NIM)
profitability
Value: 2.67%
Peer Avg: 3.58%
#982 of 1077 Bottom 8.9% in 100M-500M tier
924
Net Worth Ratio
risk
Value: 9.10%
Peer Avg: 12.15%
#924 of 1077 Bottom 14.3% in 100M-500M tier
844
Share Certificate Concentration (%)
balance_sheet
Value: 32.12%
Peer Avg: 23.61%
#844 of 1077 Bottom 21.7% in 100M-500M tier