BlastPoint's Credit Union Scorecard
LOKAHI
Charter #1733 · HI
LOKAHI has 1 strength but faces 7 concerns
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How does HI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 86.9% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 52.6% in tier
- - Stagnation Risk: Bottom 68.9% in tier
- - Efficiency Drag: Bottom 86.8% in tier
- - ROA 0.33% below tier average
- - Efficiency ratio 4.55% above tier (higher cost structure)
- - Member decline: -2.6% YoY
- - Net Interest Margin (NIM): Bottom 4.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
45,797
-2.6% YoY-0.2% QoQ
|
+7.2K |
38,575
-4.8% YoY
|
19,461
+2.6% YoY
|
33,374
+5.7% YoY
|
78% |
| Assets |
$698.9M
+3.7% YoY+1.5% QoQ
|
+$77.2M |
$621.7M
+0.1% YoY
|
$378.0M
+8.3% YoY
|
$561.6M
+9.7% YoY
|
79% |
| Loans |
$383.6M
+2.1% YoY-2.7% QoQ
|
$-46.2M |
$429.8M
-1.8% YoY
|
$192.6M
+6.6% YoY
|
$397.0M
+8.8% YoY
|
28% |
| Deposits |
$615.5M
+3.4% YoY+3.1% QoQ
|
+$76.8M |
$538.7M
+0.6% YoY
|
$334.4M
+8.0% YoY
|
$477.3M
+9.7% YoY
|
81% |
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| ROA |
0.3%
-510.1% YoY-9.2% QoQ
|
-0.3% |
0.7%
+42.9% YoY
|
0.8%
+46.9% YoY
|
0.7%
+15.9% YoY
|
25% |
| NIM |
2.4%
+10.7% YoY+3.5% QoQ
|
-1.0% |
3.4%
+8.0% YoY
|
3.1%
+6.7% YoY
|
3.8%
+5.1% YoY
|
Bottom 3.6% in tier |
| Efficiency Ratio |
82.1%
-15.2% YoY+1.3% QoQ
|
+4.6% |
77.5%
-4.1% YoY
|
73.8%
-6.9% YoY
|
79.7%
-3.3% YoY
|
71% |
| Delinquency Rate |
0.5%
-6.2% YoY+8.9% QoQ
|
-0.3 |
0.8%
-1.1% YoY
|
1.2%
-2.0% YoY
|
1.3%
-2.1% YoY
|
30% |
| Loan To Share |
62.3%
-1.2% YoY-5.6% QoQ
|
-17.5% |
79.8%
-2.3% YoY
|
54.4%
-2.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 11.5% in tier |
| AMR |
$21,816
+5.7% YoY+1.0% QoQ
|
$-5K |
$26,849
+2.7% YoY
|
$23,250
+4.8% YoY
|
$19,687
+2.0% YoY
|
22% |
| CD Concentration |
33.9%
+6.8% YoY+5.6% QoQ
|
+9.5% | 24.4% | 24.1% | 19.8% | 81% |
| Indirect Auto % |
3.5%
-19.8% YoY-1.3% QoQ
|
-10.3% | 13.8% | 5.0% | 7.8% | 42% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)