BlastPoint's Credit Union Scorecard
HAWAIIAN FINANCIAL
Charter #1717 · HI
HAWAIIAN FINANCIAL has 4 strengths but faces 11 concerns
How does the industry compare?
What's your peer group doing?
How does HI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 37.4% in tier
- + ROA 0.01% above tier average
- + Net Charge-Off Rate: Top 2.3% in tier
- + Members Per Employee (MPE): Top 2.6% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 4.7% in tier
- - Stagnation Risk: Bottom 9.2% in tier
- - Membership Headwinds: Bottom 16.3% in tier
- - Credit Risk Growth: Bottom 17.5% in tier
- - Member decline: -2.8% YoY
- - First Mortgage Concentration (%): Bottom 0.3% in tier
- - Net Interest Margin (NIM): Bottom 3.3% in tier
- - Total Loans: Bottom 3.3% in tier
- - Total Assets: Bottom 5.3% in tier
- - Share Certificate Concentration (%): Bottom 7.2% in tier
- - Total Members: Bottom 8.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
52,883
-2.8% YoY-0.5% QoQ
|
-45.8K |
98,678
-1.9% YoY
|
19,538
+4.7% YoY
|
33,089
+6.1% YoY
|
Bottom 8.2% in tier |
| Assets |
$1.0B
+8.3% YoY+5.0% QoQ
|
$-675.5M |
$1.7B
+0.5% YoY
|
$371.1M
+11.7% YoY
|
$547.7M
+7.8% YoY
|
Bottom 4.9% in tier |
| Loans |
$591.9M
+1.3% YoY+0.9% QoQ
|
$-641.2M |
$1.2B
+0.5% YoY
|
$190.1M
+8.2% YoY
|
$388.7M
+8.6% YoY
|
Bottom 3.0% in tier |
| Deposits |
$932.0M
+8.4% YoY+5.3% QoQ
|
$-522.4M |
$1.5B
+1.3% YoY
|
$328.7M
+11.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 11.8% in tier |
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| ROA |
0.7%
+9.9% YoY-4.2% QoQ
|
+0.0% |
0.7%
+13.4% YoY
|
0.8%
+109.8% YoY
|
0.7%
+273.4% YoY
|
55% |
| NIM |
2.0%
+9.7% YoY+3.4% QoQ
|
-1.3% |
3.3%
+9.3% YoY
|
3.1%
+10.9% YoY
|
3.7%
+5.0% YoY
|
Bottom 3.0% in tier |
| Efficiency Ratio |
72.8%
-2.7% YoY+0.8% QoQ
|
-1.2% |
74.0%
-10.9% YoY
|
73.4%
-6.7% YoY
|
79.1%
-3.3% YoY
|
40% |
| Delinquency Rate |
0.5%
+205.3% YoY-14.9% QoQ
|
-0.3 |
0.8%
+6.1% YoY
|
1.2%
-0.3% YoY
|
1.2%
-0.9% YoY
|
35% |
| Loan To Share |
63.5%
-6.5% YoY-4.2% QoQ
|
-21.7% |
85.2%
-0.8% YoY
|
55.2%
-1.0% YoY
|
68.0%
-1.7% YoY
|
Bottom 10.9% in tier |
| AMR |
$28,816
+8.5% YoY+4.1% QoQ
|
$-357 |
$29,172
+2.8% YoY
|
$22,988
+5.6% YoY
|
$19,418
+1.3% YoY
|
60% |
| CD Concentration |
41.7%
+9.1% YoY+14.7% QoQ
|
+12.7% |
29.0%
+0.7% YoY
|
23.5%
+10.2% YoY
|
19.6%
+6.2% YoY
|
Top 8.9% in tier |
| Indirect Auto % |
2.2%
-24.1% YoY-5.9% QoQ
|
-16.5% |
18.8%
-3.0% YoY
|
5.1%
-6.8% YoY
|
7.9%
-2.9% YoY
|
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.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)