BlastPoint's Credit Union Scorecard
HAWAII STATE
Charter #1718 · HI
HAWAII STATE has 10 strengths but faces 2 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 5.0% in tier
- + Organic Growth Leader: Top 14.3% in tier
- + Wallet Share Momentum: Top 41.7% in tier
- + ROA 0.30% above tier average
- + Total Deposits: Top 1.0% in tier
- + Asset Growth Rate: Top 2.6% in tier
- + Deposit Growth Rate: Top 3.3% in tier
- + Total Assets: Top 4.3% in tier
- + Share Certificate Concentration (%): Top 4.9% in tier
- + Net Charge-Off Rate: Top 9.2% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.52% above tier average
- - Loan-to-Share Ratio: Bottom 4.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
138,286
+4.6% YoY+0.8% QoQ
|
+39.6K |
98,678
-1.9% YoY
|
19,538
+4.7% YoY
|
33,089
+6.1% YoY
|
84% |
| Assets |
$2.8B
+16.8% YoY-0.8% QoQ
|
+$1.1B |
$1.7B
+0.5% YoY
|
$371.1M
+11.7% YoY
|
$547.7M
+7.8% YoY
|
Top 4.6% in tier |
| Loans |
$1.4B
+7.9% YoY+3.5% QoQ
|
+$199.8M |
$1.2B
+0.5% YoY
|
$190.1M
+8.2% YoY
|
$388.7M
+8.6% YoY
|
69% |
| Deposits |
$2.5B
+16.8% YoY-1.3% QoQ
|
+$1.1B |
$1.5B
+1.3% YoY
|
$328.7M
+11.9% YoY
|
$464.6M
+9.3% YoY
|
Top 1.3% in tier |
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| ROA |
1.0%
-0.3% YoY+14.5% QoQ
|
+0.3% |
0.7%
+13.4% YoY
|
0.8%
+109.8% YoY
|
0.7%
+273.4% YoY
|
76% |
| NIM |
3.0%
+7.9% YoY+3.9% QoQ
|
-0.2% |
3.3%
+9.3% YoY
|
3.1%
+10.9% YoY
|
3.7%
+5.0% YoY
|
30% |
| Efficiency Ratio |
73.1%
-0.0% YoY-3.1% QoQ
|
-0.8% |
74.0%
-10.9% YoY
|
73.4%
-6.7% YoY
|
79.1%
-3.3% YoY
|
42% |
| Delinquency Rate |
1.3%
-13.2% YoY-6.0% QoQ
|
+0.5 |
0.8%
+6.1% YoY
|
1.2%
-0.3% YoY
|
1.2%
-0.9% YoY
|
Top 13.8% in tier |
| Loan To Share |
56.4%
-7.6% YoY+4.9% QoQ
|
-28.8% |
85.2%
-0.8% YoY
|
55.2%
-1.0% YoY
|
68.0%
-1.7% YoY
|
Bottom 4.3% in tier |
| AMR |
$28,732
+8.4% YoY-0.5% QoQ
|
$-441 |
$29,172
+2.8% YoY
|
$22,988
+5.6% YoY
|
$19,418
+1.3% YoY
|
59% |
| CD Concentration |
13.5%
-43.8% YoY+0.8% QoQ
|
-15.5% |
29.0%
+0.7% YoY
|
23.5%
+10.2% YoY
|
19.6%
+6.2% YoY
|
Bottom 4.7% in tier |
| Indirect Auto % |
1.2%
-21.2% YoY-6.6% QoQ
|
-17.5% |
18.8%
-3.0% YoY
|
5.1%
-6.8% YoY
|
7.9%
-2.9% YoY
|
18% |
Signature Analysis
Strengths (3)
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 (<20%). Healthy, sustainable growth model.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (0)
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)