BlastPoint's Credit Union Scorecard
HAWAIIAN FINANCIAL
Charter #1717 · HI
HAWAIIAN FINANCIAL has 4 strengths but faces 11 concerns
How does the industry compare?
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How does HI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 45.9% in tier
- + Total Delinquency Rate (60+ days): Top 1.3% in tier
- + Net Charge-Off Rate: Top 2.3% in tier
- + Members Per Employee (MPE): Top 3.0% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 34.5% in tier
- - Stagnation Risk: Bottom 59.5% in tier
- - ROA 0.15% below tier average
- - Efficiency ratio 4.15% above tier (higher cost structure)
- - Member decline: -3.5% YoY
- - First Mortgage Concentration (%): Bottom 0.3% in tier
- - Net Interest Margin (NIM): Bottom 2.6% in tier
- - Total Loans: Bottom 3.6% in tier
- - Share Certificate Concentration (%): Bottom 5.6% in tier
- - Loan-to-Share Ratio: Bottom 7.0% in tier
- - Total Members: Bottom 8.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
52,228
-3.5% YoY-1.2% QoQ
|
-45.2K |
97,431
-2.4% YoY
|
19,461
+2.6% YoY
|
33,374
+5.7% YoY
|
Bottom 8.3% in tier |
| Assets |
$1.1B
+7.8% YoY+5.3% QoQ
|
$-623.7M |
$1.7B
+0.9% YoY
|
$378.0M
+8.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 10.3% in tier |
| Loans |
$591.8M
+1.3% YoY-0.0% QoQ
|
$-642.6M |
$1.2B
+0.5% YoY
|
$192.6M
+6.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 3.3% in tier |
| Deposits |
$985.3M
+6.5% YoY+5.7% QoQ
|
$-474.0M |
$1.5B
+0.9% YoY
|
$334.4M
+8.0% YoY
|
$477.3M
+9.7% YoY
|
17% |
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| ROA |
0.5%
+27.3% YoY-24.2% QoQ
|
-0.1% |
0.7%
+20.9% YoY
|
0.8%
+46.9% YoY
|
0.7%
+15.9% YoY
|
35% |
| NIM |
1.9%
+12.4% YoY-2.8% QoQ
|
-1.3% |
3.3%
+9.2% YoY
|
3.1%
+6.7% YoY
|
3.8%
+5.1% YoY
|
Bottom 2.3% in tier |
| Efficiency Ratio |
78.2%
-3.9% YoY+7.4% QoQ
|
+4.1% |
74.1%
-9.5% YoY
|
73.8%
-6.9% YoY
|
79.7%
-3.3% YoY
|
66% |
| Delinquency Rate |
0.1%
-64.0% YoY-85.6% QoQ
|
-0.8 |
0.9%
+6.2% YoY
|
1.2%
-2.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 1.3% in tier |
| Loan To Share |
60.1%
-4.8% YoY-5.4% QoQ
|
-24.7% |
84.8%
-0.8% YoY
|
54.4%
-2.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 6.6% in tier |
| AMR |
$30,197
+8.3% YoY+4.8% QoQ
|
+$769 |
$29,428
+2.4% YoY
|
$23,250
+4.8% YoY
|
$19,687
+2.0% YoY
|
62% |
| CD Concentration |
43.6%
+3.9% YoY+4.5% QoQ
|
+14.5% | 29.0% | 24.1% | 19.8% | Top 6.9% in tier |
| Indirect Auto % |
2.1%
-23.7% YoY-8.2% QoQ
|
-16.3% | 18.3% | 5.0% | 7.8% | 20% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
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.
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)