BlastPoint's Credit Union Scorecard
HAWAII COMMUNITY
Charter #1719 · HI
HAWAII COMMUNITY has 2 strengths but faces 8 concerns
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How does HI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 37.9% in tier
- + Organic Growth Engine: Top 37.9% in tier
Key Concerns
Areas that may need attention
- - Cost Spiral: Bottom 10.1% in tier
- - Credit Quality Pressure: Bottom 42.6% in tier
- - Efficiency Drag: Bottom 44.1% in tier
- - ROA 0.15% below tier average
- - Efficiency ratio 4.57% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 6.8% in tier
- - Total Loans: Bottom 7.7% in tier
- - Loan-to-Share Ratio: Bottom 7.7% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
45,859
+1.2% YoY-0.5% QoQ
|
-5.6K |
51,500
+0.7% YoY
|
19,510
+0.1% YoY
|
33,913
+5.7% YoY
|
37% |
| Assets |
$805.0M
+4.3% YoY+2.9% QoQ
|
$-60.6M |
$865.6M
+0.9% YoY
|
$385.1M
+5.4% YoY
|
$578.3M
+9.0% YoY
|
27% |
| Loans |
$409.5M
-0.8% YoY+0.9% QoQ
|
$-185.7M |
$595.3M
+1.6% YoY
|
$193.9M
+4.9% YoY
|
$402.4M
+8.7% YoY
|
Bottom 6.8% in tier |
| Deposits |
$734.9M
+3.6% YoY+3.0% QoQ
|
$-7.2M |
$742.2M
+0.6% YoY
|
$341.1M
+4.6% YoY
|
$494.3M
+9.1% YoY
|
46% |
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| ROA |
0.6%
-40.2% YoY-17.5% QoQ
|
-0.1% |
0.8%
+45.0% YoY
|
0.8%
-0.9% YoY
|
0.4%
-39.2% YoY
|
47% |
| NIM |
2.9%
+1.5% YoY-0.1% QoQ
|
-0.5% |
3.5%
+6.1% YoY
|
3.2%
+6.8% YoY
|
3.8%
+4.1% YoY
|
20% |
| Efficiency Ratio |
80.1%
+11.4% YoY+5.7% QoQ
|
+4.6% |
75.5%
-3.4% YoY
|
73.4%
-3.4% YoY
|
84.6%
+2.8% YoY
|
66% |
| Delinquency Rate |
0.7%
+10.1% YoY-10.0% QoQ
|
+0.0 |
0.7%
-0.1% YoY
|
1.1%
+17.2% YoY
|
1.2%
+3.4% YoY
|
58% |
| Loan To Share |
55.7%
-4.3% YoY-2.1% QoQ
|
-24.9% |
80.6%
+0.7% YoY
|
53.2%
-3.6% YoY
|
65.6%
-1.4% YoY
|
Bottom 6.8% in tier |
| AMR |
$24,956
+0.8% YoY+2.8% QoQ
|
$-4K |
$28,908
+0.7% YoY
|
$23,509
+4.4% YoY
|
$19,920
+1.6% YoY
|
44% |
| CD Concentration |
24.0%
+18.0% YoY+2.1% QoQ
|
-0.3% | 24.3% | 24.4% | 19.8% | 49% |
| Indirect Auto % |
5.7%
+4.4% YoY+1.4% QoQ
|
-8.1% | 13.8% | 4.9% | 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 (3)
Cost Spiral
riskHistorically lean operator (<75% efficiency) now seeing 5+ point efficiency ratio increase despite strong profitability (>0.50% ROA). Efficiency advantage eroding.
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)