BlastPoint's Credit Union Scorecard
HAWAII COMMUNITY
Charter #1719 · HI
HAWAII COMMUNITY has 2 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
- + Organic Growth Leader: Top 36.2% in tier
- + Organic Growth Engine: Top 36.2% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 16.1% in tier
- - Efficiency Drag: Bottom 36.3% in tier
- - ROA 0.32% below tier average
- - Efficiency ratio 6.65% above tier (higher cost structure)
- - Delinquency rate 0.52% above tier average
- - Total Loans: Bottom 6.3% in tier
- - Loan-to-Share Ratio: Bottom 6.3% in tier
- - First Mortgage Concentration (%): Bottom 6.3% 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 111 credit unions with $750M-$1B in assets nationally, and 1 of 3 that size in Hawaii.
- Shares and deposits +5.0% year over year ($738M in shares and deposits).
- Membership: 46,242 members, +1.3% vs a year ago.
- Delinquency rate 1.32%.
- Return on assets 0.52%.
- Efficiency ratio 81.18% vs a 74.54% peer average.
- Loan-to-share ratio 55.87% vs a 82.60% 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 |
46,242
+1.3% YoY+0.8% QoQ
|
-6.2K |
52,482
+1.3% YoY
|
19,590
+0.5% YoY
|
34,678
+6.6% YoY
|
37% |
| Assets |
$808.3M
+5.4% YoY+0.4% QoQ
|
$-55.6M |
$863.9M
+0.5% YoY
|
$386.0M
+4.8% YoY
|
$593.1M
+10.2% YoY
|
28% |
| Loans |
$412.2M
+0.1% YoY+0.7% QoQ
|
$-195.6M |
$607.8M
+2.1% YoY
|
$197.3M
+5.5% YoY
|
$418.6M
+10.1% YoY
|
Bottom 5.4% in tier |
| Deposits |
$737.8M
+5.0% YoY+0.4% QoQ
|
$-2.1M |
$739.9M
+0.2% YoY
|
$341.6M
+4.3% YoY
|
$504.8M
+10.3% YoY
|
50% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.5%
-24.1% YoY-15.5% QoQ
|
-0.3% |
0.8%
+30.4% YoY
|
1.0%
+38.1% YoY
|
1.2%
+121.4% YoY
|
30% |
| NIM |
3.0%
+4.5% YoY+1.6% QoQ
|
-0.6% |
3.5%
+6.2% YoY
|
3.2%
+7.0% YoY
|
3.8%
+2.3% YoY
|
18% |
| Efficiency Ratio |
81.2%
+5.0% YoY+1.3% QoQ
|
+6.6% |
74.5%
-1.4% YoY
|
73.0%
-3.2% YoY
|
83.0%
-5.3% YoY
|
74% |
| Delinquency Rate |
1.3%
+37.2% YoY+101.5% QoQ
|
+0.5 |
0.8%
+1.0% YoY
|
1.3%
-1.1% YoY
|
1.3%
+2.6% YoY
|
82% |
| Loan To Share |
55.9%
-4.7% YoY+0.3% QoQ
|
-26.7% |
82.6%
+1.9% YoY
|
53.4%
-3.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 5.4% in tier |
| AMR |
$24,871
+1.9% YoY-0.3% QoQ
|
$-4K |
$28,702
+0.4% YoY
|
$23,604
+3.8% YoY
|
$20,028
-0.9% YoY
|
43% |
| CD Concentration |
24.8%
+12.3% YoY+3.4% QoQ
|
+0.3% | 24.6% | 25.0% | 20.0% | 51% |
| Indirect Auto % |
5.5%
-0.3% YoY-2.4% QoQ
|
-8.1% | 13.6% | 4.8% | 7.7% | 46% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)