BlastPoint's Credit Union Scorecard
HAWAII COUNTY EMPLOYEES
Charter #1784 · HI
HAWAII COUNTY EMPLOYEES has 8 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 9.7% in tier
- + Organic Growth Leader: Top 22.5% in tier
- + Profitability Leader: Top 44.0% in tier
- + Wallet Share Momentum: Top 59.4% in tier
- + Emerging Performer: Top 59.5% in tier
- + ROA 0.72% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 6.9% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 10.7% in tier
- - Credit Risk Growth: Bottom 13.5% in tier
- - Total Loans: Bottom 3.4% in tier
- - Loan-to-Share Ratio: Bottom 4.0% in tier
- - Total Members: Bottom 5.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,908
+1.6% YoY+0.3% QoQ
|
-9.7K |
15,628
-3.4% YoY
|
19,538
+4.7% YoY
|
33,089
+6.1% YoY
|
Bottom 5.2% in tier |
| Assets |
$138.5M
+9.7% YoY+2.0% QoQ
|
$-92.8M |
$231.3M
-0.0% YoY
|
$371.1M
+11.7% YoY
|
$547.7M
+7.8% YoY
|
25% |
| Loans |
$44.8M
+4.9% YoY+1.7% QoQ
|
$-103.0M |
$147.8M
-1.4% YoY
|
$190.1M
+8.2% YoY
|
$388.7M
+8.6% YoY
|
Bottom 3.3% in tier |
| Deposits |
$115.6M
+10.1% YoY+1.8% QoQ
|
$-84.7M |
$200.3M
-0.0% YoY
|
$328.7M
+11.9% YoY
|
$464.6M
+9.3% YoY
|
22% |
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| ROA |
1.5%
+7.4% YoY-0.5% QoQ
|
+0.7% |
0.8%
+15.5% YoY
|
0.8%
+109.8% YoY
|
0.7%
+273.4% YoY
|
Top 11.9% in tier |
| NIM |
3.1%
+5.7% YoY+1.6% QoQ
|
-0.5% |
3.6%
+6.9% YoY
|
3.1%
+10.9% YoY
|
3.7%
+5.0% YoY
|
24% |
| Efficiency Ratio |
58.5%
-0.1% YoY-1.1% QoQ
|
-18.8% |
77.3%
-3.0% YoY
|
73.4%
-6.7% YoY
|
79.1%
-3.3% YoY
|
Bottom 6.9% in tier |
| Delinquency Rate |
0.6%
+104.9% YoY+101.3% QoQ
|
-0.3 |
0.9%
+7.6% YoY
|
1.2%
-0.3% YoY
|
1.2%
-0.9% YoY
|
44% |
| Loan To Share |
38.7%
-4.7% YoY-0.1% QoQ
|
-34.0% |
72.7%
-1.5% YoY
|
55.2%
-1.0% YoY
|
68.0%
-1.7% YoY
|
Bottom 3.9% in tier |
| AMR |
$27,144
+6.9% YoY+1.4% QoQ
|
+$3K |
$24,363
+2.9% YoY
|
$22,988
+5.6% YoY
|
$19,418
+1.3% YoY
|
74% |
| CD Concentration |
23.4%
+12.4% YoY+5.0% QoQ
|
-1.0% |
24.4%
+4.2% YoY
|
23.5%
+10.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.1%
-6.8% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (5)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)