BlastPoint's Credit Union Scorecard

HAWAII COUNTY EMPLOYEES

Charter #1784 · HI

100M-500M

1070 CUs in 100M-500M nationally 15 in HI

HAWAII COUNTY EMPLOYEES has 5 strengths but faces 6 concerns

National Analysis

How does the industry compare?

HI Analysis

How does HI stack up?

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 0.59% above tier average
+ Net Charge-Off Rate: Top 0.3% in tier

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Loan-to-Share Ratio: Bottom 3.6% in tier
- Total Loans: Bottom 4.3% in tier
- Total Members: Bottom 6.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (HI)	National Avg	Tier Percentile
Members	5,930 +1.0% YoY+0.5% QoQ	-9.2K	15,145 -2.5% YoY	19,510 +0.1% YoY	33,913 +5.7% YoY	Bottom 5.9% in tier
Assets	$145.4M +8.4% YoY+2.7% QoQ	$-86.3M	$231.7M +0.8% YoY	$385.1M +5.4% YoY	$578.3M +9.0% YoY	29%
Loans	$45.1M +2.8% YoY-1.1% QoQ	$-99.0M	$144.1M +0.2% YoY	$193.9M +4.9% YoY	$402.4M +8.7% YoY	Bottom 4.2% in tier
Deposits	$122.3M +8.7% YoY+3.2% QoQ	$-78.8M	$201.1M +0.4% YoY	$341.1M +4.6% YoY	$494.3M +9.1% YoY	26%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.3% -13.9% YoY+8.1% QoQ	+0.6%	0.7% +5.1% YoY	0.8% -0.9% YoY	0.4% -39.2% YoY	84%
NIM	3.1% +3.2% YoY+4.4% QoQ	-0.5%	3.6% +4.6% YoY	3.2% +6.8% YoY	3.8% +4.1% YoY	20%
Efficiency Ratio	62.4% +7.0% YoY-2.6% QoQ	-15.7%	78.0% -1.7% YoY	73.4% -3.4% YoY	84.6% +2.8% YoY	Top 11.2% in tier
Delinquency Rate	0.7% +7.5% YoY+344.8% QoQ	-0.1	0.8% +7.1% YoY	1.1% +17.2% YoY	1.2% +3.4% YoY	56%
Loan To Share	36.9% -5.4% YoY-4.2% QoQ	-33.5%	70.4% -0.4% YoY	53.2% -3.6% YoY	65.6% -1.4% YoY	Bottom 3.5% in tier
AMR	$28,241 +6.0% YoY+1.4% QoQ	+$3K	$24,918 +2.7% YoY	$23,509 +4.4% YoY	$19,920 +1.6% YoY	75%
CD Concentration	26.3% +17.1% YoY+7.5% QoQ	+2.0%	24.3%	24.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	4.9%	7.7%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#192 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.99%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 1.32%

(Tier: 0.72%, National: 0.39%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Wallet Share Momentum

growth

#376 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.00%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Organic Growth Leader

growth

#315 of 371 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.99%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Concerns (3)

Margin Compression

decline

#68 of 133 • Bottom 50.0% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10%. Something changed - rising costs or falling yields need addressing.

Why This Signature

Return on Assets: 1.32%

(Tier: 0.72%, National: 0.39%)

but better than tier avg

ROA (Prior Year): 1.53%

(Tier: 0.67%, National: 0.75%)

but better than tier avg

ROA Change (YoY): -0.21% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

133 of 1070 Mid-Small & Community CUs have this signature | 162 nationally

→ No prior data (133 CUs now) | New qualifier

Credit Quality Pressure

risk

#594 of 727 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.05% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | Rank worsening

Credit Risk Growth

risk

#439 of 476 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 2.79%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.05% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

Net Charge-Off Rate

risk

Value: -0.20%

Peer Median: 0.35%

#4 of 1070 Top 0.3% in 100M-500M tier

121

Efficiency Ratio

profitability

Value: 62.36%

Peer Median: 78.68%

#121 of 1070 Top 11.2% in 100M-500M tier

144

Deposit Growth Rate

growth

Value: 8.71%

Peer Median: 3.30%

#144 of 1070 Top 13.4% in 100M-500M tier

156

Net Worth Ratio

risk

Value: 15.08%

Peer Median: 11.45%

#156 of 1070 Top 14.5% in 100M-500M tier

164

Asset Growth Rate

growth

Value: 8.36%

Peer Median: 3.91%

#164 of 1070 Top 15.2% in 100M-500M tier

170

Return on Assets (ROA)

profitability

Value: 1.32%

Peer Median: 0.69%

#170 of 1070 Top 15.8% in 100M-500M tier

267

Average Member Relationship (AMR)

engagement

Value: $28,241

Peer Median: $22,931

#267 of 1070 Top 24.9% in 100M-500M tier

Top Weaknesses (5 metrics)

1033

Loan-to-Share Ratio

balance_sheet

Value: 36.89%

Peer Median: 71.88%

#1033 of 1070 Bottom 3.6% in 100M-500M tier

1025

Total Loans

balance_sheet

Value: $45.13M

Peer Median: $121.41M

#1025 of 1070 Bottom 4.3% in 100M-500M tier

1007

Total Members

engagement

Value: 5,930

Peer Median: 13,200

#1007 of 1070 Bottom 6.0% in 100M-500M tier

886

Fee Income Per Member

profitability

Value: $97.38

Peer Median: $154.95

#886 of 1070 Bottom 17.3% in 100M-500M tier

861

Net Interest Margin (NIM)

profitability

Value: 3.09%

Peer Median: 3.62%

#861 of 1070 Bottom 19.6% in 100M-500M tier