BlastPoint's Credit Union Scorecard
HAWAIIUSA
Charter #1815 · HI
HAWAIIUSA has 3 strengths but faces 3 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
- + ROA 0.06% above tier average
- + Total Deposits: Top 6.2% in tier
- + Total Assets: Top 8.2% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 77.6% in tier
- - Stagnation Risk: Bottom 77.6% in tier
- - Efficiency ratio 3.97% above tier (higher cost structure)
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
130,552
-0.7% YoY+0.3% QoQ
|
+34.5K |
96,048
-2.7% YoY
|
19,510
+0.1% YoY
|
33,913
+5.7% YoY
|
81% |
| Assets |
$2.7B
+1.9% YoY+1.4% QoQ
|
+$953.7M |
$1.7B
+0.4% YoY
|
$385.1M
+5.4% YoY
|
$578.3M
+9.0% YoY
|
Top 8.5% in tier |
| Loans |
$1.5B
+7.3% YoY+1.3% QoQ
|
+$317.9M |
$1.2B
+0.2% YoY
|
$193.9M
+4.9% YoY
|
$402.4M
+8.7% YoY
|
75% |
| Deposits |
$2.4B
+1.0% YoY+1.4% QoQ
|
+$898.2M |
$1.5B
+0.5% YoY
|
$341.1M
+4.6% YoY
|
$494.3M
+9.1% YoY
|
Top 6.5% in tier |
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| ROA |
0.8%
+482.5% YoY+43.4% QoQ
|
+0.1% |
0.7%
+27.6% YoY
|
0.8%
-0.9% YoY
|
0.4%
-39.2% YoY
|
61% |
| NIM |
2.9%
+10.5% YoY+2.7% QoQ
|
-0.5% |
3.4%
+6.2% YoY
|
3.2%
+6.8% YoY
|
3.8%
+4.1% YoY
|
18% |
| Efficiency Ratio |
78.6%
-8.9% YoY-0.8% QoQ
|
+4.0% |
74.6%
-3.0% YoY
|
73.4%
-3.4% YoY
|
84.6%
+2.8% YoY
|
66% |
| Delinquency Rate |
0.3%
-57.0% YoY-35.2% QoQ
|
-0.5 |
0.8%
+6.9% YoY
|
1.1%
+17.2% YoY
|
1.2%
+3.4% YoY
|
16% |
| Loan To Share |
64.8%
+6.3% YoY-0.2% QoQ
|
-18.4% |
83.2%
-0.4% YoY
|
53.2%
-3.6% YoY
|
65.6%
-1.4% YoY
|
Bottom 12.4% in tier |
| AMR |
$29,838
+4.1% YoY+1.1% QoQ
|
+$186 |
$29,652
+2.3% YoY
|
$23,509
+4.4% YoY
|
$19,920
+1.6% YoY
|
60% |
| CD Concentration |
23.4%
-8.6% YoY+0.1% QoQ
|
-5.4% | 28.8% | 24.4% | 19.8% | 26% |
| Indirect Auto % |
1.7%
-32.2% YoY-18.9% QoQ
|
-16.4% | 18.1% | 4.9% | 7.7% | 20% |
Signature Analysis
Strengths (0)
Concerns (2)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)