BlastPoint's Credit Union Scorecard
LOKAHI
Charter #1733 · HI
LOKAHI has 2 strengths but faces 9 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 81.0% 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
- - Credit Risk Growth: 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
|
75% |
| 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
|
75% |
| 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
|
29% |
| 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
|
77% |
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| 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
|
31% |
| 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
|
64% |
| 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
|
34% |
| 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
|
24% |
| 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
|
77% |
| Indirect Auto % |
3.5%
-27.5% YoY-5.7% QoQ
|
-10.4% |
14.0%
-5.7% YoY
|
5.1%
-6.8% YoY
|
7.9%
-2.9% YoY
|
42% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (5)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)