HAWAII COMMUNITY
Charter #1719 | HI
750M-1B
(112 CUs)
Community
($500M-$1B)
(281 CUs)
3 750M-1B in HI
HAWAII COMMUNITY has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 18.2% in tier
- + Organic Growth Engine: Top 20.3% in tier
- + ROA 0.14% above tier average
Key Concerns
Areas that may need attention
- - Efficiency ratio 0.36% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 7.1% in tier
- - Total Loans: Bottom 7.1% in tier
- - Total Assets: Bottom 9.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
45,947
+2.1% YoY+0.6% QoQ
|
-6.2K |
52,114
-2.1% YoY
|
19,538
+4.7% YoY
|
33,089
+6.1% YoY
|
36th in tier |
| Assets |
$769.8M
+5.9% YoY+0.4% QoQ
|
$-89.2M |
$859.0M
+0.0% YoY
|
$371.1M
+11.7% YoY
|
$547.7M
+7.8% YoY
|
Bottom 8.9% in tier |
| Loans |
$408.3M
-2.8% YoY-0.9% QoQ
|
$-195.0M |
$603.4M
+1.0% YoY
|
$190.1M
+8.2% YoY
|
$388.7M
+8.6% YoY
|
Bottom 6.2% in tier |
| Deposits |
$702.2M
+5.5% YoY-0.0% QoQ
|
$-31.9M |
$734.2M
+0.9% YoY
|
$328.7M
+11.9% YoY
|
$464.6M
+9.3% YoY
|
35th in tier |
| ROA |
0.8%
+146.9% YoY+24.2% QoQ
|
+0.1% |
0.7%
+27.6% YoY
|
0.8%
+109.8% YoY
|
0.7%
+273.4% YoY
|
65th in tier |
| NIM |
2.9%
+15.1% YoY+2.8% QoQ
|
-0.5% |
3.4%
+9.6% YoY
|
3.1%
+10.9% YoY
|
3.7%
+5.0% YoY
|
Bottom 23.2% in tier |
| Efficiency Ratio |
74.9%
-11.9% YoY-3.2% QoQ
|
+0.4% |
74.5%
-3.2% YoY
|
73.4%
-6.7% YoY
|
79.1%
-3.3% YoY
|
43rd in tier |
| Delinquency Rate |
0.6%
-41.5% YoY-39.4% QoQ
|
-0.2 |
0.8%
+5.0% YoY
|
1.2%
-0.3% YoY
|
1.2%
-0.9% YoY
|
41st in tier |
| Loan To Share |
58.1%
-7.8% YoY-0.8% QoQ
|
-24.5% |
82.7%
+0.1% YoY
|
55.2%
-1.0% YoY
|
68.0%
-1.7% YoY
|
Bottom 9.8% in tier |
| AMR |
$24,171
+0.1% YoY-1.0% QoQ
|
$-4K |
$28,651
+2.5% YoY
|
$22,988
+5.6% YoY
|
$19,418
+1.3% YoY
|
42nd in tier |
| CD Concentration |
23.4%
+32.2% YoY+5.7% QoQ
|
-1.0% |
24.4%
+4.2% YoY
|
23.5%
+10.2% YoY
|
19.6%
+6.2% YoY
|
46th in tier |
| Indirect Auto % |
5.6%
+11.3% YoY+1.3% QoQ
|
-8.3% |
14.0%
-5.8% YoY
|
5.1%
-6.8% YoY
|
7.9%
-2.9% YoY
|
46th in tier |
Signature Analysis
Strengths (2)
Organic Growth Leader
growth
#241 of 430 • Top 18.2% in tier
Attracting members without relying on indirect channels. Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
2.14%
(Tier:
0.88%, National:
9.37%)
430 of 281 Community CUs have this signature
| 608 nationally
↓ Shrinking
-21 CUs YoY
|
New qualifier
Organic Growth Engine
growth
#372 of 603 • Top 20.3% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
2.14%
(Tier:
0.88%, National:
9.37%)
Return on Assets:
0.85%
(Tier:
0.77%, National:
0.71%)
Indirect Auto %:
5.62%
(Tier:
13.96%, National:
7.90%)
603 of 281 Community CUs have this signature
| 917 nationally
→ Stable (608→603 CUs)
-5 CUs YoY
|
New qualifier
Concerns (0)
No concerns identified
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)
Top Strengths (1 metrics)
27
Share Certificate Concentration (%)
balance_sheet
Value:
23.36%
Peer Avg: 28.34%
#27 of 112
Top 23.2% in 750M-1B tier
Top Weaknesses (8 metrics)
105
First Mortgage Concentration (%)
balance_sheet
Value:
56.06%
Peer Avg: 33.64%
#105 of 112
Bottom 7.1% in 750M-1B tier
105
Total Loans
balance_sheet
Value:
$408.33M
Peer Avg: $603.36M
#105 of 112
Bottom 7.1% in 750M-1B tier
102
Total Assets
balance_sheet
Value:
$769.77M
Peer Avg: $859.01M
#102 of 112
Bottom 9.8% in 750M-1B tier
101
Loan-to-Share Ratio
balance_sheet
Value:
58.15%
Peer Avg: 82.66%
#101 of 112
Bottom 10.7% in 750M-1B tier
98
Loan Growth Rate
growth
Value:
-2.79%
Peer Avg: 4.84%
#98 of 112
Bottom 13.4% in 750M-1B tier
94
Loan-to-Member Ratio (LMR)
engagement
Value:
$8,887
Peer Avg: $12,810
#94 of 112
Bottom 17.0% in 750M-1B tier
87
AMR Growth Rate
growth
Value:
0.13%
Peer Avg: 4.90%
#87 of 112
Bottom 23.2% in 750M-1B tier
86
Net Interest Margin (NIM)
profitability
Value:
2.90%
Peer Avg: 3.38%
#86 of 112
Bottom 24.1% in 750M-1B tier