BlastPoint's Credit Union Scorecard
HAWAIIUSA
Charter #1815 · HI
HAWAIIUSA has 2 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does HI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Total Deposits: Top 5.6% in tier
- + Total Assets: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 15.2% in tier
- - Credit Risk Growth: Bottom 20.0% in tier
- - Stagnation Risk: Bottom 24.3% in tier
- - Membership Headwinds: Bottom 30.5% in tier
- - ROA 0.20% below tier average
- - Efficiency ratio 5.41% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
131,882
-0.7% YoY+0.1% QoQ
|
+33.2K |
98,678
-1.9% YoY
|
19,538
+4.7% YoY
|
33,089
+6.1% YoY
|
80% |
| Assets |
$2.6B
+2.6% YoY+0.5% QoQ
|
+$902.2M |
$1.7B
+0.5% YoY
|
$371.1M
+11.7% YoY
|
$547.7M
+7.8% YoY
|
Top 10.2% in tier |
| Loans |
$1.5B
+4.9% YoY+2.0% QoQ
|
+$245.5M |
$1.2B
+0.5% YoY
|
$190.1M
+8.2% YoY
|
$388.7M
+8.6% YoY
|
72% |
| Deposits |
$2.3B
+2.7% YoY-0.1% QoQ
|
+$866.8M |
$1.5B
+1.3% YoY
|
$328.7M
+11.9% YoY
|
$464.6M
+9.3% YoY
|
Top 5.9% in tier |
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| ROA |
0.5%
+240.0% YoY-1.6% QoQ
|
-0.2% |
0.7%
+13.4% YoY
|
0.8%
+109.8% YoY
|
0.7%
+273.4% YoY
|
35% |
| NIM |
2.8%
+2.9% YoY+2.9% QoQ
|
-0.5% |
3.3%
+9.3% YoY
|
3.1%
+10.9% YoY
|
3.7%
+5.0% YoY
|
20% |
| Efficiency Ratio |
79.4%
-0.8% YoY+0.7% QoQ
|
+5.4% |
74.0%
-10.9% YoY
|
73.4%
-6.7% YoY
|
79.1%
-3.3% YoY
|
70% |
| Delinquency Rate |
0.5%
+35.9% YoY-19.0% QoQ
|
-0.4 |
0.8%
+6.1% YoY
|
1.2%
-0.3% YoY
|
1.2%
-0.9% YoY
|
28% |
| Loan To Share |
63.7%
+2.2% YoY+2.1% QoQ
|
-21.5% |
85.2%
-0.8% YoY
|
55.2%
-1.0% YoY
|
68.0%
-1.7% YoY
|
Bottom 11.2% in tier |
| AMR |
$28,812
+4.3% YoY+0.6% QoQ
|
$-360 |
$29,172
+2.8% YoY
|
$22,988
+5.6% YoY
|
$19,418
+1.3% YoY
|
59% |
| CD Concentration |
24.6%
-14.8% YoY-0.6% QoQ
|
-4.3% |
29.0%
+0.7% YoY
|
23.5%
+10.2% YoY
|
19.6%
+6.2% YoY
|
31% |
| Indirect Auto % |
2.3%
-18.3% YoY-4.9% QoQ
|
-16.5% |
18.8%
-3.0% YoY
|
5.1%
-6.8% YoY
|
7.9%
-2.9% YoY
|
20% |
Signature Analysis
Strengths (0)
Concerns (4)
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.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)