BlastPoint's Credit Union Scorecard
HAWAII STATE
Charter #1718 · HI
HAWAII STATE has 7 strengths but faces 5 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
- + Organic Growth Engine: Top 50.8% in tier
- + Organic Growth Leader: Top 50.8% in tier
- + ROA 0.75% above tier average
- + Net Interest Margin 0.15% above tier average
- + Total Deposits: Top 1.0% in tier
- + Total Assets: Top 2.7% in tier
- + Share Certificate Concentration (%): Top 5.3% in tier
Key Concerns
Areas that may need attention
- - Flatlined Growth: Bottom 87.6% in tier
- - Deposit Outflow: Bottom 92.5% in tier
- - Delinquency rate 0.21% above tier average
- - Loan-to-Share Ratio: Bottom 8.3% in tier
- - Deposit Growth Rate: Bottom 9.7% 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 -1.3% year over year ($2.54B in shares and deposits).
- Membership: 139,996 members, +2.1% vs a year ago.
- Delinquency rate 1.07%.
- Return on assets 1.57%.
- Efficiency ratio 63.56% vs a 73.02% peer average.
- Loan-to-share ratio 59.63% 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 |
139,996
+2.1% YoY+0.7% QoQ
|
+43.1K |
96,861
-1.9% YoY
|
19,590
+0.5% YoY
|
34,678
+6.6% YoY
|
85% |
| Assets |
$2.9B
+0.1% YoY-0.7% QoQ
|
+$1.1B |
$1.7B
+0.4% YoY
|
$386.0M
+4.8% YoY
|
$593.1M
+10.2% YoY
|
Top 3.0% in tier |
| Loans |
$1.5B
+9.5% YoY+2.5% QoQ
|
+$281.8M |
$1.2B
+0.7% YoY
|
$197.3M
+5.5% YoY
|
$418.6M
+10.1% YoY
|
72% |
| Deposits |
$2.5B
-1.3% YoY-1.2% QoQ
|
+$1.1B |
$1.5B
+0.5% YoY
|
$341.6M
+4.3% YoY
|
$504.8M
+10.3% YoY
|
Top 1.3% in tier |
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| ROA |
1.6%
+79.3% YoY+23.6% QoQ
|
+0.7% |
0.8%
+27.6% YoY
|
1.0%
+38.1% YoY
|
1.2%
+121.4% YoY
|
Top 7.0% in tier |
| NIM |
3.6%
+22.0% YoY+2.3% QoQ
|
+0.2% |
3.4%
+6.6% YoY
|
3.2%
+7.0% YoY
|
3.8%
+2.3% YoY
|
59% |
| Efficiency Ratio |
63.6%
-15.8% YoY-7.0% QoQ
|
-9.5% |
73.0%
-2.7% YoY
|
73.0%
-3.2% YoY
|
83.0%
-5.3% YoY
|
Top 14.7% in tier |
| Delinquency Rate |
1.1%
-25.3% YoY+0.8% QoQ
|
+0.2 |
0.9%
+7.3% YoY
|
1.3%
-1.1% YoY
|
1.3%
+2.6% YoY
|
75% |
| Loan To Share |
59.6%
+10.9% YoY+3.7% QoQ
|
-25.1% |
84.7%
+0.1% YoY
|
53.4%
-3.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 8.0% in tier |
| AMR |
$28,989
+0.4% YoY-0.6% QoQ
|
$-586 |
$29,575
+1.5% YoY
|
$23,604
+3.8% YoY
|
$20,028
-0.9% YoY
|
54% |
| CD Concentration |
14.0%
+4.6% YoY-7.2% QoQ
|
-15.1% | 29.1% | 25.0% | 20.0% | Bottom 4.8% in tier |
| Indirect Auto % |
1.1%
-19.0% YoY-2.9% QoQ
|
-17.0% | 18.1% | 4.8% | 7.7% | 18% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (2)
Flatlined Growth
riskAsset growth stalled (-2% to +2%) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
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)