BlastPoint's Credit Union Scorecard
BIG ISLAND
Charter #1607 · HI
BIG ISLAND has 3 strengths but faces 13 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.8% 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
|
28% |
| 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
|
47% |
| 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
|
49% |
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| 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
|
60% |
| 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
|
47% |
| 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
|
50% |
| Indirect Auto % |
1.6%
-28.6% YoY-11.9% QoQ
|
-12.3% |
14.0%
-5.7% YoY
|
5.1%
-6.8% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (4)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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.
Stagnation Risk
riskMembership declining year-over-year. Shrinking 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)