BlastPoint's Credit Union Scorecard
HAWAII COUNTY EMPLOYEES
Charter #1784 · HI
HAWAII COUNTY EMPLOYEES has 7 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.0% in tier
- + Wallet Share Momentum: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + ROA 0.51% above tier average
- + Net Charge-Off Rate: Top 6.2% in tier
- + Efficiency Ratio: Top 9.5% in tier
- + Deposit Growth Rate: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 50.0% in tier
- - Loan-to-Share Ratio: Bottom 3.0% in tier
- - Total Loans: Bottom 4.6% in tier
- - Total Members: Bottom 6.1% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 15 that size in Hawaii.
- Shares and deposits +9.8% year over year ($125M in shares and deposits).
- Membership: 5,947 members, +1.0% vs a year ago.
- Delinquency rate 0.21%.
- Return on assets 1.37%.
- Efficiency ratio 60.87% vs a 76.73% peer average.
- Loan-to-share ratio 36.57% vs a 71.54% 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 |
5,947
+1.0% YoY+0.3% QoQ
|
-9.2K |
15,168
-2.6% YoY
|
19,590
+0.5% YoY
|
34,678
+6.6% YoY
|
Bottom 6.0% in tier |
| Assets |
$148.0M
+9.0% YoY+1.8% QoQ
|
$-84.0M |
$232.0M
+0.7% YoY
|
$386.0M
+4.8% YoY
|
$593.1M
+10.2% YoY
|
30% |
| Loans |
$45.6M
+3.5% YoY+1.0% QoQ
|
$-100.7M |
$146.3M
+0.2% YoY
|
$197.3M
+5.5% YoY
|
$418.6M
+10.1% YoY
|
Bottom 4.5% in tier |
| Deposits |
$124.7M
+9.8% YoY+1.9% QoQ
|
$-76.0M |
$200.7M
+0.2% YoY
|
$341.6M
+4.3% YoY
|
$504.8M
+10.3% YoY
|
27% |
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| ROA |
1.4%
-9.7% YoY+4.3% QoQ
|
+0.5% |
0.9%
+12.5% YoY
|
1.0%
+38.1% YoY
|
1.2%
+121.4% YoY
|
83% |
| NIM |
3.1%
+1.7% YoY+0.5% QoQ
|
-0.6% |
3.7%
+4.5% YoY
|
3.2%
+7.0% YoY
|
3.8%
+2.3% YoY
|
18% |
| Efficiency Ratio |
60.9%
+2.9% YoY-2.4% QoQ
|
-15.9% |
76.7%
-0.8% YoY
|
73.0%
-3.2% YoY
|
83.0%
-5.3% YoY
|
Top 9.5% in tier |
| Delinquency Rate |
0.2%
-28.1% YoY-69.8% QoQ
|
-0.7 |
0.9%
+6.6% YoY
|
1.3%
-1.1% YoY
|
1.3%
+2.6% YoY
|
Top 11.5% in tier |
| Loan To Share |
36.6%
-5.7% YoY-0.9% QoQ
|
-35.0% |
71.5%
-0.3% YoY
|
53.4%
-3.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 2.9% in tier |
| AMR |
$28,635
+7.0% YoY+1.4% QoQ
|
+$4K |
$25,107
+3.2% YoY
|
$23,604
+3.8% YoY
|
$20,028
-0.9% YoY
|
76% |
| CD Concentration |
26.9%
+20.8% YoY+2.4% QoQ
|
+2.4% | 24.6% | 25.0% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 4.8% | 7.7% | 50% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.
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)