BlastPoint's Credit Union Scorecard
HAWAII STATE
Charter #1718 · HI
HAWAII STATE has 7 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 16.3% in tier
- + Organic Growth Leader: Top 40.4% in tier
- + ROA 0.24% above tier average
- + Total Deposits: Top 0.3% in tier
- + Total Assets: Top 2.6% in tier
- + Share Certificate Concentration (%): Top 5.6% in tier
- + Net Charge-Off Rate: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.35% above tier average
- - Loan-to-Share Ratio: Bottom 5.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
138,321
+4.6% YoY+0.0% QoQ
|
+40.9K |
97,431
-2.4% YoY
|
19,461
+2.6% YoY
|
33,374
+5.7% YoY
|
83% |
| Assets |
$2.9B
+5.8% YoY+1.2% QoQ
|
+$1.1B |
$1.7B
+0.9% YoY
|
$378.0M
+8.3% YoY
|
$561.6M
+9.7% YoY
|
Top 3.0% in tier |
| Loans |
$1.5B
+8.4% YoY+2.4% QoQ
|
+$232.2M |
$1.2B
+0.5% YoY
|
$192.6M
+6.6% YoY
|
$397.0M
+8.8% YoY
|
71% |
| Deposits |
$2.6B
+6.6% YoY+0.8% QoQ
|
+$1.1B |
$1.5B
+0.9% YoY
|
$334.4M
+8.0% YoY
|
$477.3M
+9.7% YoY
|
Top 0.7% in tier |
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| ROA |
0.9%
+28.8% YoY-7.7% QoQ
|
+0.2% |
0.7%
+20.9% YoY
|
0.8%
+46.9% YoY
|
0.7%
+15.9% YoY
|
72% |
| NIM |
3.1%
+16.7% YoY+3.3% QoQ
|
-0.1% |
3.3%
+9.2% YoY
|
3.1%
+6.7% YoY
|
3.8%
+5.1% YoY
|
38% |
| Efficiency Ratio |
73.6%
-4.1% YoY+0.6% QoQ
|
-0.5% |
74.1%
-9.5% YoY
|
73.8%
-6.9% YoY
|
79.7%
-3.3% YoY
|
46% |
| Delinquency Rate |
1.2%
-15.5% YoY-7.7% QoQ
|
+0.3 |
0.9%
+6.2% YoY
|
1.2%
-2.0% YoY
|
1.3%
-2.1% YoY
|
82% |
| Loan To Share |
57.3%
+1.7% YoY+1.6% QoQ
|
-27.5% |
84.8%
-0.8% YoY
|
54.4%
-2.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 4.6% in tier |
| AMR |
$29,113
+2.6% YoY+1.3% QoQ
|
$-316 |
$29,428
+2.4% YoY
|
$23,250
+4.8% YoY
|
$19,687
+2.0% YoY
|
58% |
| CD Concentration |
14.2%
-44.4% YoY+5.1% QoQ
|
-14.9% | 29.0% | 24.1% | 19.8% | Bottom 5.3% in tier |
| Indirect Auto % |
1.2%
-18.0% YoY-5.3% QoQ
|
-17.2% | 18.3% | 5.0% | 7.8% | 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 (<20%). Healthy, sustainable growth model.
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)