BlastPoint's Credit Union Scorecard
HAWAIIAN FINANCIAL
Charter #1717 · HI
HAWAIIAN FINANCIAL has 6 strengths but faces 8 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 7.3% in tier
- + Net Charge-Off Rate: Top 0.3% in tier
- + Members Per Employee (MPE): Top 3.7% in tier
- + Deposit Growth Rate: Top 7.7% in tier
- + AMR Growth Rate: Top 7.7% in tier
- + Asset Growth Rate: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 90.1% in tier
- - Stagnation Risk: Bottom 90.1% in tier
- - ROA 0.06% below tier average
- - Member decline: -2.9% YoY
- - First Mortgage Concentration (%): Bottom 0.3% in tier
- - Net Interest Margin (NIM): Bottom 3.0% in tier
- - Total Loans: Bottom 4.3% in tier
- - Share Certificate Concentration (%): Bottom 4.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 5 that size in Hawaii.
- Shares and deposits +14.1% year over year ($1.01B in shares and deposits).
- Membership: 51,589 members, -2.9% vs a year ago.
- Delinquency rate 0.54%.
- Return on assets 0.76%.
- Efficiency ratio 71.24% vs a 73.02% peer average.
- Loan-to-share ratio 58.66% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
51,589
-2.9% YoY-0.5% QoQ
|
-45.3K |
96,861
-1.9% YoY
|
19,590
+0.5% YoY
|
34,678
+6.6% YoY
|
Bottom 8.3% in tier |
| Assets |
$1.1B
+13.2% YoY+1.8% QoQ
|
$-598.6M |
$1.7B
+0.4% YoY
|
$386.0M
+4.8% YoY
|
$593.1M
+10.2% YoY
|
Bottom 14.7% in tier |
| Loans |
$592.1M
+0.9% YoY+0.7% QoQ
|
$-642.1M |
$1.2B
+0.7% YoY
|
$197.3M
+5.5% YoY
|
$418.6M
+10.1% YoY
|
Bottom 4.0% in tier |
| Deposits |
$1.0B
+14.1% YoY+1.9% QoQ
|
$-454.0M |
$1.5B
+0.5% YoY
|
$341.6M
+4.3% YoY
|
$504.8M
+10.3% YoY
|
21% |
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| ROA |
0.8%
+2.5% YoY+2.9% QoQ
|
-0.1% |
0.8%
+27.6% YoY
|
1.0%
+38.1% YoY
|
1.2%
+121.4% YoY
|
49% |
| NIM |
2.2%
+12.0% YoY+0.2% QoQ
|
-1.3% |
3.4%
+6.6% YoY
|
3.2%
+7.0% YoY
|
3.8%
+2.3% YoY
|
Bottom 2.7% in tier |
| Efficiency Ratio |
71.2%
-1.4% YoY-2.0% QoQ
|
-1.8% |
73.0%
-2.7% YoY
|
73.0%
-3.2% YoY
|
83.0%
-5.3% YoY
|
41% |
| Delinquency Rate |
0.5%
-15.6% YoY-12.4% QoQ
|
-0.3 |
0.9%
+7.3% YoY
|
1.3%
-1.1% YoY
|
1.3%
+2.6% YoY
|
32% |
| Loan To Share |
58.7%
-11.5% YoY-1.2% QoQ
|
-26.1% |
84.7%
+0.1% YoY
|
53.4%
-3.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 7.3% in tier |
| AMR |
$31,044
+12.1% YoY+1.9% QoQ
|
+$1K |
$29,575
+1.5% YoY
|
$23,604
+3.8% YoY
|
$20,028
-0.9% YoY
|
65% |
| CD Concentration |
45.8%
+26.1% YoY+5.1% QoQ
|
+16.8% | 29.1% | 25.0% | 20.0% | Top 5.1% in tier |
| Indirect Auto % |
1.8%
-23.9% YoY-5.4% QoQ
|
-16.3% | 18.1% | 4.8% | 7.7% | 19% |
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)