BlastPoint's Credit Union Scorecard

HAWAII SCHOOLS

Charter #1785 · HI

2556 CUs in <100M nationally 21 in HI

HAWAII SCHOOLS has 4 strengths but faces 4 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

+ Net Charge-Off Rate: Top 3.5% in tier
+ Average Member Relationship (AMR): Top 6.5% in tier
+ Total Deposits: Top 8.9% in tier
+ Total Assets: Top 9.9% in tier

Key Concerns

Areas that may need attention

- ROA 0.12% below tier average
- Member decline: -4.1% YoY
- Net Interest Margin (NIM): Bottom 7.2% in tier
- First Mortgage Concentration (%): Bottom 9.8% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (HI)	National Avg	Tier Percentile
Members	3,345 -4.1% YoY-3.0% QoQ	+729	2,615 -1.9% YoY	19,461 +2.6% YoY	33,374 +5.7% YoY	72%
Assets	$75.2M -0.9% YoY-1.5% QoQ	+$45.1M	$30.1M +2.1% YoY	$378.0M +8.3% YoY	$561.6M +9.7% YoY	Top 9.9% in tier
Loans	$22.8M -0.9% YoY-1.0% QoQ	+$7.0M	$15.8M -1.3% YoY	$192.6M +6.6% YoY	$397.0M +8.8% YoY	74%
Deposits	$65.9M -2.7% YoY-1.8% QoQ	+$40.2M	$25.7M +1.4% YoY	$334.4M +8.0% YoY	$477.3M +9.7% YoY	Top 9.0% 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	0.5% -8.3% YoY+18.8% QoQ	-0.1%	0.6% +10.8% YoY	0.8% +46.9% YoY	0.7% +15.9% YoY	40%
NIM	2.4% +3.7% YoY+4.5% QoQ	-1.5%	4.0% +4.0% YoY	3.1% +6.7% YoY	3.8% +5.1% YoY	Bottom 7.2% in tier
Efficiency Ratio	80.5% +0.1% YoY-4.9% QoQ	-2.1%	82.6% -2.3% YoY	73.8% -6.9% YoY	79.7% -3.3% YoY	52%
Delinquency Rate	0.1% +608.3% YoY+54.9% QoQ	-1.4	1.6% -3.1% YoY	1.2% -2.0% YoY	1.3% -2.1% YoY	22%
Loan To Share	34.5% +1.9% YoY+0.8% QoQ	-26.1%	60.6% -3.1% YoY	54.4% -2.4% YoY	67.4% -1.7% YoY	Bottom 14.0% in tier
AMR	$26,492 +1.9% YoY+1.4% QoQ	+$12K	$14,783 -1.4% YoY	$23,250 +4.8% YoY	$19,687 +2.0% YoY	Top 6.5% in tier
CD Concentration	26.8% -2.0% YoY-5.3% QoQ	+2.4%	24.4%	24.1%	19.8%	50%
Indirect Auto %	1.2% +6.9% YoY-10.1% QoQ	-12.6%	13.8%	5.0%	7.8%	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 2556 peers in tier

Top Strengths (5 metrics)

Net Charge-Off Rate

risk

Value: -0.09%

Peer Median: -

#91 of 2556 Top 3.5% in <100M tier

166

Average Member Relationship (AMR)

engagement

Value: $26,492

Peer Median: -

#166 of 2556 Top 6.5% in <100M tier

229

Total Deposits

balance_sheet

Value: $65.87M

Peer Median: -

#229 of 2556 Top 8.9% in <100M tier

253

Total Assets

balance_sheet

Value: $75.22M

Peer Median: -

#253 of 2556 Top 9.9% in <100M tier

574

Total Delinquency Rate (60+ days)

risk

Value: 0.14%

Peer Median: -

#574 of 2556 Top 22.4% in <100M tier

Top Weaknesses (6 metrics)

2372

Net Interest Margin (NIM)

profitability

Value: 2.45%

Peer Median: -

#2372 of 2556 Bottom 7.2% in <100M tier

2307

First Mortgage Concentration (%)

balance_sheet

Value: 45.93%

Peer Median: -

#2307 of 2556 Bottom 9.8% in <100M tier

2207

Indirect Auto Concentration (%)

balance_sheet

Value: 1.23%

Peer Median: -

#2207 of 2556 Bottom 13.7% in <100M tier

2195

Loan-to-Share Ratio

balance_sheet

Value: 34.54%

Peer Median: -

#2195 of 2556 Bottom 14.2% in <100M tier

1998

Share Certificate Concentration (%)

balance_sheet

Value: 26.78%

Peer Median: -

#1998 of 2556 Bottom 21.9% in <100M tier

1976

Member Growth Rate

growth

Value: -4.07%

Peer Median: -

#1976 of 2556 Bottom 22.7% in <100M tier