BlastPoint's Credit Union Scorecard
LOKAHI
Charter #1733 · HI
LOKAHI has 1 strength but faces 8 concerns
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How does HI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 36.4% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 13.5% in tier
- - Membership Headwinds: Bottom 79.4% in tier
- - Stagnation Risk: Bottom 79.4% in tier
- - ROA 0.46% below tier average
- - Efficiency ratio 11.70% above tier (higher cost structure)
- - Member decline: -2.8% YoY
- - Fee Income Per Member: Bottom 2.4% in tier
- - Net Interest Margin (NIM): Bottom 4.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
45,557
-2.8% YoY-0.5% QoQ
|
+7.5K |
38,079
-4.8% YoY
|
19,510
+0.1% YoY
|
33,913
+5.7% YoY
|
80% |
| Assets |
$709.3M
+4.6% YoY+1.5% QoQ
|
+$89.6M |
$619.7M
-0.2% YoY
|
$385.1M
+5.4% YoY
|
$578.3M
+9.0% YoY
|
84% |
| Loans |
$382.6M
+1.8% YoY-0.3% QoQ
|
$-36.8M |
$419.3M
-1.4% YoY
|
$193.9M
+4.9% YoY
|
$402.4M
+8.7% YoY
|
32% |
| Deposits |
$626.4M
+2.2% YoY+1.8% QoQ
|
+$87.0M |
$539.5M
-0.1% YoY
|
$341.1M
+4.6% YoY
|
$494.3M
+9.1% YoY
|
Top 15.0% in tier |
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| ROA |
0.2%
-49.7% YoY-29.8% QoQ
|
-0.5% |
0.7%
+36.0% YoY
|
0.8%
-0.9% YoY
|
0.4%
-39.2% YoY
|
19% |
| NIM |
2.6%
+21.2% YoY+6.0% QoQ
|
-0.9% |
3.5%
+4.5% YoY
|
3.2%
+6.8% YoY
|
3.8%
+4.1% YoY
|
Bottom 3.6% in tier |
| Efficiency Ratio |
90.1%
+11.0% YoY+9.8% QoQ
|
+11.7% |
78.4%
-3.7% YoY
|
73.4%
-3.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 11.4% in tier |
| Delinquency Rate |
0.3%
-39.9% YoY-39.9% QoQ
|
-0.4 |
0.7%
-0.9% YoY
|
1.1%
+17.2% YoY
|
1.2%
+3.4% YoY
|
25% |
| Loan To Share |
61.1%
-0.4% YoY-2.0% QoQ
|
-16.6% |
77.7%
-1.2% YoY
|
53.2%
-3.6% YoY
|
65.6%
-1.4% YoY
|
Bottom 11.4% in tier |
| AMR |
$22,148
+5.0% YoY+1.5% QoQ
|
$-5K |
$26,927
+3.1% YoY
|
$23,509
+4.4% YoY
|
$19,920
+1.6% YoY
|
26% |
| CD Concentration |
35.8%
+5.9% YoY+5.6% QoQ
|
+11.5% | 24.3% | 24.4% | 19.8% | Top 13.4% in tier |
| Indirect Auto % |
3.7%
-3.2% YoY+4.7% QoQ
|
-10.1% | 13.8% | 4.9% | 7.7% | 43% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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.
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)