BlastPoint's Credit Union Scorecard
HAWAIIAN FINANCIAL
Charter #1717 · HI
HAWAIIAN FINANCIAL has 3 strengths but faces 8 concerns
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How does HI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 12.4% in tier
- + Net Charge-Off Rate: Top 0.1% in tier
- + Members Per Employee (MPE): Top 2.9% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 7.4% in tier
- - Credit Risk Growth: Bottom 74.2% in tier
- - Membership Headwinds: Bottom 90.3% in tier
- - Stagnation Risk: Bottom 90.3% in tier
- - Member decline: -3.4% YoY
- - First Mortgage Concentration (%): Bottom 0.3% in tier
- - Net Interest Margin (NIM): Bottom 2.9% in tier
- - Total Loans: Bottom 3.6% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
51,839
-3.4% YoY-0.7% QoQ
|
-44.2K |
96,048
-2.7% YoY
|
19,510
+0.1% YoY
|
33,913
+5.7% YoY
|
Bottom 7.8% in tier |
| Assets |
$1.1B
+7.3% YoY+0.5% QoQ
|
$-614.3M |
$1.7B
+0.4% YoY
|
$385.1M
+5.4% YoY
|
$578.3M
+9.0% YoY
|
Bottom 10.8% in tier |
| Loans |
$588.3M
+1.3% YoY-0.6% QoQ
|
$-625.4M |
$1.2B
+0.2% YoY
|
$193.9M
+4.9% YoY
|
$402.4M
+8.7% YoY
|
Bottom 3.3% in tier |
| Deposits |
$990.4M
+6.9% YoY+0.5% QoQ
|
$-475.1M |
$1.5B
+0.5% YoY
|
$341.1M
+4.6% YoY
|
$494.3M
+9.1% YoY
|
16% |
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| ROA |
0.7%
+130.6% YoY+37.2% QoQ
|
+0.0% |
0.7%
+27.6% YoY
|
0.8%
-0.9% YoY
|
0.4%
-39.2% YoY
|
56% |
| NIM |
2.2%
+19.7% YoY+11.3% QoQ
|
-1.2% |
3.4%
+6.2% YoY
|
3.2%
+6.8% YoY
|
3.8%
+4.1% YoY
|
Bottom 2.6% in tier |
| Efficiency Ratio |
72.7%
-14.3% YoY-7.1% QoQ
|
-2.0% |
74.6%
-3.0% YoY
|
73.4%
-3.4% YoY
|
84.6%
+2.8% YoY
|
40% |
| Delinquency Rate |
0.6%
+304.5% YoY+687.3% QoQ
|
-0.1 |
0.8%
+6.9% YoY
|
1.1%
+17.2% YoY
|
1.2%
+3.4% YoY
|
47% |
| Loan To Share |
59.4%
-5.2% YoY-1.1% QoQ
|
-23.8% |
83.2%
-0.4% YoY
|
53.2%
-3.6% YoY
|
65.6%
-1.4% YoY
|
Bottom 7.8% in tier |
| AMR |
$30,454
+8.5% YoY+0.8% QoQ
|
+$802 |
$29,652
+2.3% YoY
|
$23,509
+4.4% YoY
|
$19,920
+1.6% YoY
|
61% |
| CD Concentration |
43.6%
+10.5% YoY+0.2% QoQ
|
+14.8% | 28.8% | 24.4% | 19.8% | Top 6.8% in tier |
| Indirect Auto % |
1.9%
-23.8% YoY-6.9% QoQ
|
-16.2% | 18.1% | 4.9% | 7.7% | 20% |
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.
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.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)