BlastPoint's Credit Union Scorecard

HAWAII SCHOOLS

Charter #1785 · HI

<100M

2508 CUs in <100M nationally 20 in HI

HAWAII SCHOOLS has 5 strengths but faces 2 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

+ ROA 0.61% above tier average
+ Average Member Relationship (AMR): Top 6.2% in tier
+ Total Deposits: Top 8.1% in tier
+ Net Charge-Off Rate: Top 8.9% in tier
+ Total Assets: Top 9.1% in tier

Key Concerns

Areas that may need attention

- Member decline: -3.7% YoY
- First Mortgage Concentration (%): Bottom 8.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (HI)	National Avg	Tier Percentile
Members	3,352 -3.7% YoY+0.2% QoQ	+675	2,676 +1.6% YoY	19,510 +0.1% YoY	33,913 +5.7% YoY	72%
Assets	$76.7M -0.0% YoY+1.9% QoQ	+$46.5M	$30.2M +1.3% YoY	$385.1M +5.4% YoY	$578.3M +9.0% YoY	Top 9.1% in tier
Loans	$22.3M -2.0% YoY-1.8% QoQ	+$7.1M	$15.3M -2.0% YoY	$193.9M +4.9% YoY	$402.4M +8.7% YoY	74%
Deposits	$67.1M -1.5% YoY+1.9% QoQ	+$41.3M	$25.8M +0.7% YoY	$341.1M +4.6% YoY	$494.3M +9.1% YoY	Top 8.1% in tier

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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	0.8% +136.5% YoY+53.2% QoQ	+0.6%	0.1% -77.6% YoY	0.8% -0.9% YoY	0.4% -39.2% YoY	58%
NIM	2.8% +24.6% YoY+13.0% QoQ	-1.2%	4.0% +4.0% YoY	3.2% +6.8% YoY	3.8% +4.1% YoY	Bottom 12.6% in tier
Efficiency Ratio	75.1% -12.8% YoY-6.7% QoQ	-15.5%	90.6% +6.5% YoY	73.4% -3.4% YoY	84.6% +2.8% YoY	35%
Delinquency Rate	0.2% +42.0% QoQ	-1.3	1.5% +3.8% YoY	1.1% +17.2% YoY	1.2% +3.4% YoY	28%
Loan To Share	33.3% -0.5% YoY-3.6% QoQ	-25.2%	58.5% -3.0% YoY	53.2% -3.6% YoY	65.6% -1.4% YoY	Bottom 14.4% in tier
AMR	$26,677 +2.2% YoY+0.7% QoQ	+$12K	$14,884 -1.7% YoY	$23,509 +4.4% YoY	$19,920 +1.6% YoY	Top 6.3% in tier
CD Concentration	26.2% -10.3% YoY-2.3% QoQ	+1.9%	24.3%	24.4%	19.8%	50%
Indirect Auto %	1.1% +9.3% YoY-8.2% QoQ	-12.7%	13.8%	4.9%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

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 2508 peers in tier

Top Strengths (4 metrics)

157

Average Member Relationship (AMR)

engagement

Value: $26,677

Peer Median: $13,926

#157 of 2508 Top 6.2% in <100M tier

204

Total Deposits

balance_sheet

Value: $67.08M

Peer Median: $18.77M

#204 of 2508 Top 8.1% in <100M tier

223

Net Charge-Off Rate

risk

Value: -0.12%

Peer Median: 0.07%

#223 of 2508 Top 8.9% in <100M tier

229

Total Assets

balance_sheet

Value: $76.65M

Peer Median: $21.86M

#229 of 2508 Top 9.1% in <100M tier

Top Weaknesses (5 metrics)

2286

First Mortgage Concentration (%)

balance_sheet

Value: 48.40%

Peer Median: 3.66%

#2286 of 2508 Bottom 8.9% in <100M tier

2192

Net Interest Margin (NIM)

profitability

Value: 2.76%

Peer Median: 3.83%

#2192 of 2508 Bottom 12.6% in <100M tier

2173

Indirect Auto Concentration (%)

balance_sheet

Value: 1.13%

Peer Median: 0.00%

#2173 of 2508 Bottom 13.4% in <100M tier

2144

Loan-to-Share Ratio

balance_sheet

Value: 33.30%

Peer Median: 58.72%

#2144 of 2508 Bottom 14.6% in <100M tier

1926

Share Certificate Concentration (%)

balance_sheet

Value: 26.16%

Peer Median: 12.45%

#1926 of 2508 Bottom 23.2% in <100M tier