LOKAHI

Charter #1733 | HI

500M-750M (169 CUs) Community (281 CUs)
2 500M-750M in HI

LOKAHI has 3 strengths but faces 9 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 14.1% in tier
  • + Relationship Depth Leader: Top 26.3% in tier
  • + Members Per Employee (MPE): Top 9.5% in tier

Key Concerns

Areas that may need attention

  • - Membership Headwinds: Bottom 14.5% in tier
  • - Stagnation Risk: Bottom 23.3% in tier
  • - Credit Quality Pressure: Bottom 27.1% in tier
  • - Efficiency Drag: Bottom 27.7% in tier
  • - Growth-at-Risk: Bottom 28.1% in tier
  • - ROA 0.30% below tier average
  • - Efficiency ratio 2.92% above tier (higher cost structure)
  • - Member decline: -2.9% YoY
  • - Net Interest Margin (NIM): Bottom 3.6% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (HI) National Avg Tier Percentile
Members 45,910
-2.9% YoY-1.5% QoQ
 +6.2K 39,752
-2.7% YoY
 19,538
+4.7% YoY
 33,089
+6.1% YoY
 Top 24.9% in tier
Assets $688.7M
+2.4% YoY-1.6% QoQ
 +$66.3M $622.4M
+0.3% YoY
 $371.1M
+11.7% YoY
 $547.7M
+7.8% YoY
 75th in tier
Loans $394.2M
+3.1% YoY+0.8% QoQ
 $-41.8M $435.9M
-0.4% YoY
 $190.1M
+8.2% YoY
 $388.7M
+8.6% YoY
 29th in tier
Deposits $597.0M
+2.6% YoY-2.4% QoQ
 +$59.0M $538.0M
+1.3% YoY
 $328.7M
+11.9% YoY
 $464.6M
+9.3% YoY
 Top 23.1% in tier
ROA 0.4%
-462.0% YoY-8.4% QoQ
 -0.3% 0.7%
+33.9% YoY
 0.8%
+109.8% YoY
 0.7%
+273.4% YoY
 31st in tier
NIM 2.4%
+6.8% YoY+5.7% QoQ
 -1.1% 3.4%
+8.6% YoY
 3.1%
+10.9% YoY
 3.7%
+5.0% YoY
 Bottom 3.0% in tier
Efficiency Ratio 81.0%
-16.7% YoY+1.7% QoQ
 +2.9% 78.1%
-3.4% YoY
 73.4%
-6.7% YoY
 79.1%
-3.3% YoY
 64th in tier
Delinquency Rate 0.5%
+5.1% YoY-9.1% QoQ
 -0.3 0.8%
-4.9% YoY
 1.2%
-0.3% YoY
 1.2%
-0.9% YoY
 34th in tier
Loan To Share 66.0%
+0.6% YoY+3.3% QoQ
 -15.0% 81.0%
-1.8% YoY
 55.2%
-1.0% YoY
 68.0%
-1.7% YoY
 Bottom 13.6% in tier
AMR $21,590
+5.8% YoY+0.4% QoQ
 $-5K $26,482
+2.6% YoY
 $22,988
+5.6% YoY
 $19,418
+1.3% YoY
 Bottom 24.3% in tier
CD Concentration 32.1%
+2.6% YoY-6.1% QoQ
 +7.7% 24.4%
+4.2% YoY
 23.5%
+10.2% YoY
 19.6%
+6.2% YoY
 Top 23.0% in tier
Indirect Auto % 3.5%
-27.5% YoY-5.7% QoQ
 -10.4% 14.0%
-5.8% YoY
 5.1%
-6.8% YoY
 7.9%
-2.9% YoY
 42nd in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#390 of 1006 • Top 14.1% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 5.82%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Relationship Depth Leader

growth
#725 of 1006 • Top 26.3% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 5.82%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $1.8K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 281 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (5)

Membership Headwinds

decline
#240 of 550 • Bottom 14.5% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -2.87%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Stagnation Risk

risk
#385 of 550 • Bottom 23.3% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.36%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -2.87%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $21.6K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 32.08%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 281 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Credit Quality Pressure

risk
#672 of 736 • Bottom 27.1% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.02% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
736 of 281 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | Rank worsening

Efficiency Drag

risk
#489 of 521 • Bottom 27.7% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 81.01%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.46% points
(Tier: 0.11% points, National: 0.05% points)
but better than tier avg
Member Growth (YoY): -2.87%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
521 of 281 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank worsening

Growth-at-Risk

risk
#422 of 446 • Bottom 28.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 3.13%
(Tier: 3.64%, National: 36.38%)
worse than tier avg
Delinquency Change (YoY): 0.02% points
(Tier: 0.04% points, National: 0.07% points)
but better than tier avg
446 of 281 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | Rank worsening

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)

Comparing against 169 peers in tier

Top Strengths (4 metrics)

17
Members Per Employee (MPE)
engagement
Value: 441.442
Peer Avg: 338.010
#17 of 169 Top 9.5% in 500M-750M tier
39
Total Deposits
balance_sheet
Value: $597.00M
Peer Avg: $538.02M
#39 of 169 Top 22.5% in 500M-750M tier
42
Total Members
engagement
Value: 45,910
Peer Avg: 39,752
#42 of 169 Top 24.3% in 500M-750M tier
43
Total Assets
balance_sheet
Value: $688.67M
Peer Avg: $622.38M
#43 of 169 Top 24.9% in 500M-750M tier

Top Weaknesses (6 metrics)

164
Net Interest Margin (NIM)
profitability
Value: 2.36%
Peer Avg: 3.43%
#164 of 169 Bottom 3.6% in 500M-750M tier
149
Member Growth Rate
growth
Value: -2.87%
Peer Avg: 1.75%
#149 of 169 Bottom 12.4% in 500M-750M tier
146
Loan-to-Share Ratio
balance_sheet
Value: 66.03%
Peer Avg: 81.02%
#146 of 169 Bottom 14.2% in 500M-750M tier
136
Loan-to-Member Ratio (LMR)
engagement
Value: $8,586
Peer Avg: $11,805
#136 of 169 Bottom 20.1% in 500M-750M tier
128
Share Certificate Concentration (%)
balance_sheet
Value: 32.08%
Peer Avg: 26.87%
#128 of 169 Bottom 24.9% in 500M-750M tier
128
Average Member Relationship (AMR)
engagement
Value: $21,590
Peer Avg: $26,482
#128 of 169 Bottom 24.9% in 500M-750M tier