BlastPoint's Credit Union Scorecard

HAWAII COUNTY EMPLOYEES

Charter #1784 · HI

1069 CUs in 100M-500M nationally 14 in HI

HAWAII COUNTY EMPLOYEES has 6 strengths but faces 3 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 51.2% in tier
+ Wallet Share Momentum: Top 78.1% in tier
+ Organic Growth Leader: Top 89.4% in tier
+ ROA 0.45% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier
+ Total Delinquency Rate (60+ days): Top 7.5% in tier

Key Concerns

Areas that may need attention

- Loan-to-Share Ratio: Bottom 3.8% in tier
- Total Loans: Bottom 4.0% in tier
- Total Members: Bottom 5.4% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (HI)	National Avg	Tier Percentile
Members	5,899 +0.9% YoY-0.2% QoQ	-9.5K	15,437 -2.9% YoY	19,461 +2.6% YoY	33,374 +5.7% YoY	Bottom 5.3% in tier
Assets	$141.6M +8.7% YoY+2.2% QoQ	$-90.3M	$231.9M +1.3% YoY	$378.0M +8.3% YoY	$561.6M +9.7% YoY	26%
Loans	$45.7M +3.7% YoY+1.9% QoQ	$-101.7M	$147.3M -0.1% YoY	$192.6M +6.6% YoY	$397.0M +8.8% YoY	Bottom 3.9% in tier
Deposits	$118.6M +8.5% YoY+2.6% QoQ	$-82.2M	$200.8M +0.8% YoY	$334.4M +8.0% YoY	$477.3M +9.7% YoY	24%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.2% +12.0% YoY-19.5% QoQ	+0.5%	0.8% +18.2% YoY	0.8% +46.9% YoY	0.7% +15.9% YoY	80%
NIM	3.0% +5.5% YoY-4.7% QoQ	-0.6%	3.6% +6.7% YoY	3.1% +6.7% YoY	3.8% +5.1% YoY	17%
Efficiency Ratio	64.0% -0.8% YoY+9.4% QoQ	-13.0%	77.0% -3.1% YoY	73.8% -6.9% YoY	79.7% -3.3% YoY	Bottom 12.9% in tier
Delinquency Rate	0.2% -74.0% YoY-73.4% QoQ	-0.7	0.9% +4.2% YoY	1.2% -2.0% YoY	1.3% -2.1% YoY	Bottom 7.5% in tier
Loan To Share	38.5% -4.4% YoY-0.6% QoQ	-33.7%	72.2% -1.1% YoY	54.4% -2.4% YoY	67.4% -1.7% YoY	Bottom 3.7% in tier
AMR	$27,839 +6.2% YoY+2.6% QoQ	+$3K	$24,676 +3.4% YoY	$23,250 +4.8% YoY	$19,687 +2.0% YoY	74%
CD Concentration	24.4% +10.0% YoY+4.5% QoQ	+0.0%	24.4%	24.1%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	5.0%	7.8%	50%

Signature Analysis

Strengths (3)

Organic Growth Engine

growth

#305 of 595 • Top 51.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.85%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 1.22%

(Tier: 0.75%, National: 0.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Wallet Share Momentum

growth

#401 of 513 • Top 78.1% in tier

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

Why This Signature

AMR Growth (YoY): 6.23%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Organic Growth Leader

growth

#381 of 426 • Top 89.4% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.85%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.79%, National: 7.78%)

better than tier avg

426 of 1069 Mid-Small & Community CUs have this signature | 609 nationally

→ No prior data (426 CUs now) | New qualifier

Concerns (0)

No concerns identified

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 1069 peers in tier

Top Strengths (8 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.15%

Peer Median: -

#81 of 1069 Top 7.5% in 100M-500M tier

113

Net Charge-Off Rate

risk

Value: 0.08%

Peer Median: -

#113 of 1069 Top 10.5% in 100M-500M tier

139

Efficiency Ratio

profitability

Value: 64.01%

Peer Median: -

#139 of 1069 Top 12.9% in 100M-500M tier

154

Net Worth Ratio

risk

Value: 15.15%

Peer Median: -

#154 of 1069 Top 14.3% in 100M-500M tier

191

Deposit Growth Rate

growth

Value: 8.52%

Peer Median: -

#191 of 1069 Top 17.8% in 100M-500M tier

203

Asset Growth Rate

growth

Value: 8.67%

Peer Median: -

#203 of 1069 Top 18.9% in 100M-500M tier

214

Return on Assets (ROA)

profitability

Value: 1.22%

Peer Median: -

#214 of 1069 Top 19.9% in 100M-500M tier

Top Weaknesses (6 metrics)

1029

Loan-to-Share Ratio

balance_sheet

Value: 38.50%

Peer Median: -

#1029 of 1069 Bottom 3.8% in 100M-500M tier

1027

Total Loans

balance_sheet

Value: $45.65M

Peer Median: -

#1027 of 1069 Bottom 4.0% in 100M-500M tier

1012

Total Members

engagement

Value: 5,899

Peer Median: -

#1012 of 1069 Bottom 5.4% in 100M-500M tier

893

Fee Income Per Member

profitability

Value: $104.30

Peer Median: -

#893 of 1069 Bottom 16.6% in 100M-500M tier

886

Net Interest Margin (NIM)

profitability

Value: 2.96%

Peer Median: -

#886 of 1069 Bottom 17.2% in 100M-500M tier

813

Total Deposits

balance_sheet

Value: $118.57M

Peer Median: -

#813 of 1069 Bottom 24.0% in 100M-500M tier