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 48.7% in tier
- + Organic Growth Leader: Top 48.7% in tier
- + ROA 0.55% above tier average
- + Net Interest Margin 0.14% above tier average
- + Total Deposits: Top 0.3% in tier
- + Total Assets: Top 1.3% in tier
- + Share Certificate Concentration (%): Top 6.5% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.31% above tier average
- - Loan-to-Share Ratio: Bottom 6.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
138,998
+2.3% YoY+0.5% QoQ
|
+42.9K |
96,048
-2.7% YoY
|
19,510
+0.1% YoY
|
33,913
+5.7% YoY
|
85% |
| Assets |
$2.9B
+2.6% YoY+0.6% QoQ
|
+$1.2B |
$1.7B
+0.4% YoY
|
$385.1M
+5.4% YoY
|
$578.3M
+9.0% YoY
|
Top 1.6% in tier |
| Loans |
$1.5B
+8.1% YoY+0.9% QoQ
|
+$265.7M |
$1.2B
+0.2% YoY
|
$193.9M
+4.9% YoY
|
$402.4M
+8.7% YoY
|
72% |
| Deposits |
$2.6B
+1.4% YoY+0.5% QoQ
|
+$1.1B |
$1.5B
+0.5% YoY
|
$341.1M
+4.6% YoY
|
$494.3M
+9.1% YoY
|
Top 0.7% in tier |
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| ROA |
1.3%
+46.0% YoY+37.2% QoQ
|
+0.5% |
0.7%
+27.6% YoY
|
0.8%
-0.9% YoY
|
0.4%
-39.2% YoY
|
Top 13.4% in tier |
| NIM |
3.5%
+23.4% YoY+11.2% QoQ
|
+0.1% |
3.4%
+6.2% YoY
|
3.2%
+6.8% YoY
|
3.8%
+4.1% YoY
|
57% |
| Efficiency Ratio |
68.3%
-10.7% YoY-7.2% QoQ
|
-6.3% |
74.6%
-3.0% YoY
|
73.4%
-3.4% YoY
|
84.6%
+2.8% YoY
|
24% |
| Delinquency Rate |
1.1%
-28.3% YoY-14.6% QoQ
|
+0.3 |
0.8%
+6.9% YoY
|
1.1%
+17.2% YoY
|
1.2%
+3.4% YoY
|
82% |
| Loan To Share |
57.5%
+6.6% YoY+0.4% QoQ
|
-25.7% |
83.2%
-0.4% YoY
|
53.2%
-3.6% YoY
|
65.6%
-1.4% YoY
|
Bottom 6.2% in tier |
| AMR |
$29,155
+1.5% YoY+0.1% QoQ
|
$-497 |
$29,652
+2.3% YoY
|
$23,509
+4.4% YoY
|
$19,920
+1.6% YoY
|
56% |
| CD Concentration |
15.1%
-8.8% YoY+6.4% QoQ
|
-13.8% | 28.8% | 24.4% | 19.8% | Bottom 6.0% in tier |
| Indirect Auto % |
1.1%
-19.3% YoY-5.7% QoQ
|
-17.0% | 18.1% | 4.9% | 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 (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)