BlastPoint's Credit Union Scorecard
HAWAII SCHOOLS
Charter #1785 · HI
HAWAII SCHOOLS has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Charge-Off Rate: Top 4.3% in tier
- + Average Member Relationship (AMR): Top 6.6% in tier
- + Total Deposits: Top 8.1% in tier
- + Total Assets: Top 9.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.26% below tier average
- - Efficiency ratio 3.25% above tier (higher cost structure)
- - Member decline: -2.7% YoY
- - Net Interest Margin (NIM): Bottom 5.7% in tier
- - First Mortgage Concentration (%): Bottom 9.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,447
-2.7% YoY-0.9% QoQ
|
+821 |
2,625
-2.2% YoY
|
19,538
+4.7% YoY
|
33,089
+6.1% YoY
|
73% |
| Assets |
$76.3M
+3.9% YoY-1.0% QoQ
|
+$46.5M |
$29.9M
+1.1% YoY
|
$371.1M
+11.7% YoY
|
$547.7M
+7.8% YoY
|
Top 9.1% in tier |
| Loans |
$23.0M
+2.4% YoY+0.1% QoQ
|
+$7.2M |
$15.8M
-2.4% YoY
|
$190.1M
+8.2% YoY
|
$388.7M
+8.6% YoY
|
74% |
| Deposits |
$67.1M
+3.2% YoY-1.7% QoQ
|
+$41.6M |
$25.5M
+0.4% YoY
|
$328.7M
+11.9% YoY
|
$464.6M
+9.3% YoY
|
Top 8.1% in tier |
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| ROA |
0.4%
-15.7% YoY+11.8% QoQ
|
-0.3% |
0.7%
-731.4% YoY
|
0.8%
+109.8% YoY
|
0.7%
+273.4% YoY
|
32% |
| NIM |
2.3%
-2.4% YoY+3.9% QoQ
|
-1.6% |
3.9%
+3.8% YoY
|
3.1%
+10.9% YoY
|
3.7%
+5.0% YoY
|
Bottom 5.7% in tier |
| Efficiency Ratio |
84.6%
+2.9% YoY-2.6% QoQ
|
+3.2% |
81.4%
-2.4% YoY
|
73.4%
-6.7% YoY
|
79.1%
-3.3% YoY
|
66% |
| Delinquency Rate |
0.1%
+883.7% YoY+1641.0% QoQ
|
-1.4 |
1.5%
-2.0% YoY
|
1.2%
-0.3% YoY
|
1.2%
-0.9% YoY
|
20% |
| Loan To Share |
34.3%
-0.7% YoY+1.8% QoQ
|
-27.0% |
61.2%
-3.0% YoY
|
55.2%
-1.0% YoY
|
68.0%
-1.7% YoY
|
Bottom 13.4% in tier |
| AMR |
$26,123
+5.9% YoY-0.3% QoQ
|
+$11K |
$14,627
-2.7% YoY
|
$22,988
+5.6% YoY
|
$19,418
+1.3% YoY
|
Top 6.6% in tier |
| CD Concentration |
28.3%
+6.7% YoY-1.8% QoQ
|
+3.9% |
24.4%
+4.2% YoY
|
23.5%
+10.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
1.4%
-3.0% YoY+17.1% QoQ
|
-12.6% |
14.0%
-5.7% YoY
|
5.1%
-6.8% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)