BlastPoint's Credit Union Scorecard
LOKAHI
Charter #1733 · HI
LOKAHI faces 8 concerns requiring attention
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
No key strengths identified
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 11.5% in tier
- - Efficiency Drag: Bottom 14.9% in tier
- - Stagnation Risk: Bottom 79.3% in tier
- - Membership Headwinds: Bottom 79.3% in tier
- - ROA 0.53% below tier average
- - Efficiency ratio 11.49% above tier (higher cost structure)
- - Member decline: -2.6% YoY
- - Net Interest Margin (NIM): Bottom 4.2% 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 165 credit unions with $500M-$750M in assets nationally, and 1 of 2 that size in Hawaii.
- Shares and deposits +2.0% year over year ($624M in shares and deposits).
- Membership: 45,384 members, -2.6% vs a year ago.
- Delinquency rate 0.39%.
- Return on assets 0.29%.
- Efficiency ratio 88.05% vs a 76.56% peer average.
- Loan-to-share ratio 61.31% vs a 79.33% 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 |
45,384
-2.6% YoY-0.4% QoQ
|
+7.5K |
37,897
-5.0% YoY
|
19,590
+0.5% YoY
|
34,678
+6.6% YoY
|
79% |
| Assets |
$701.9M
+0.3% YoY-1.0% QoQ
|
+$79.5M |
$622.4M
+0.6% YoY
|
$386.0M
+4.8% YoY
|
$593.1M
+10.2% YoY
|
78% |
| Loans |
$382.6M
-2.2% YoY-0.0% QoQ
|
$-45.9M |
$428.5M
-0.7% YoY
|
$197.3M
+5.5% YoY
|
$418.6M
+10.1% YoY
|
28% |
| Deposits |
$624.0M
+2.0% YoY-0.4% QoQ
|
+$84.2M |
$539.8M
+0.9% YoY
|
$341.6M
+4.3% YoY
|
$504.8M
+10.3% YoY
|
85% |
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| ROA |
0.3%
-26.1% YoY+26.4% QoQ
|
-0.5% |
0.8%
+39.5% YoY
|
1.0%
+38.1% YoY
|
1.2%
+121.4% YoY
|
Bottom 13.9% in tier |
| NIM |
2.6%
+18.0% YoY+1.8% QoQ
|
-0.9% |
3.5%
+5.0% YoY
|
3.2%
+7.0% YoY
|
3.8%
+2.3% YoY
|
Bottom 3.6% in tier |
| Efficiency Ratio |
88.1%
+10.5% YoY-2.3% QoQ
|
+11.5% |
76.6%
-3.6% YoY
|
73.0%
-3.2% YoY
|
83.0%
-5.3% YoY
|
Bottom 11.5% in tier |
| Delinquency Rate |
0.4%
-24.9% YoY+26.2% QoQ
|
-0.4 |
0.8%
+3.1% YoY
|
1.3%
-1.1% YoY
|
1.3%
+2.6% YoY
|
19% |
| Loan To Share |
61.3%
-4.1% YoY+0.4% QoQ
|
-18.0% |
79.3%
-1.4% YoY
|
53.4%
-3.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 10.9% in tier |
| AMR |
$22,179
+3.1% YoY+0.1% QoQ
|
$-5K |
$27,294
+4.1% YoY
|
$23,604
+3.8% YoY
|
$20,028
-0.9% YoY
|
21% |
| CD Concentration |
36.8%
+7.7% YoY+2.8% QoQ
|
+12.2% | 24.6% | 25.0% | 20.0% | Top 12.1% in tier |
| Indirect Auto % |
4.0%
+7.4% YoY+10.2% QoQ
|
-9.6% | 13.6% | 4.8% | 7.7% | 44% |
Signature Analysis
Strengths (0)
Concerns (4)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)