BlastPoint's Credit Union Scorecard
HAWAIIUSA
Charter #1815 · HI
HAWAIIUSA has 2 strengths but faces 4 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 6.6% in tier
- + Total Assets: Top 9.6% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 96.4% in tier
- - Stagnation Risk: Bottom 96.4% in tier
- - ROA 0.14% below tier average
- - Efficiency ratio 5.16% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
130,226
-0.7% YoY-1.3% QoQ
|
+32.8K |
97,431
-2.4% YoY
|
19,461
+2.6% YoY
|
33,374
+5.7% YoY
|
79% |
| Assets |
$2.6B
+2.2% YoY+0.6% QoQ
|
+$914.0M |
$1.7B
+0.9% YoY
|
$378.0M
+8.3% YoY
|
$561.6M
+9.7% YoY
|
Top 9.9% in tier |
| Loans |
$1.5B
+6.5% YoY+2.3% QoQ
|
+$278.1M |
$1.2B
+0.5% YoY
|
$192.6M
+6.6% YoY
|
$397.0M
+8.8% YoY
|
73% |
| Deposits |
$2.3B
+1.6% YoY+0.4% QoQ
|
+$870.7M |
$1.5B
+0.9% YoY
|
$334.4M
+8.0% YoY
|
$477.3M
+9.7% YoY
|
Top 7.0% in tier |
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| ROA |
0.5%
+253.2% YoY+7.5% QoQ
|
-0.1% |
0.7%
+20.9% YoY
|
0.8%
+46.9% YoY
|
0.7%
+15.9% YoY
|
37% |
| NIM |
2.8%
+6.6% YoY+0.9% QoQ
|
-0.5% |
3.3%
+9.2% YoY
|
3.1%
+6.7% YoY
|
3.8%
+5.1% YoY
|
20% |
| Efficiency Ratio |
79.2%
-2.7% YoY-0.2% QoQ
|
+5.2% |
74.1%
-9.5% YoY
|
73.8%
-6.9% YoY
|
79.7%
-3.3% YoY
|
72% |
| Delinquency Rate |
0.5%
-12.5% YoY+2.5% QoQ
|
-0.4 |
0.9%
+6.2% YoY
|
1.2%
-2.0% YoY
|
1.3%
-2.1% YoY
|
23% |
| Loan To Share |
64.9%
+4.9% YoY+1.9% QoQ
|
-19.9% |
84.8%
-0.8% YoY
|
54.4%
-2.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 11.9% in tier |
| AMR |
$29,506
+4.2% YoY+2.4% QoQ
|
+$78 |
$29,428
+2.4% YoY
|
$23,250
+4.8% YoY
|
$19,687
+2.0% YoY
|
60% |
| CD Concentration |
23.4%
-13.5% YoY-5.0% QoQ
|
-5.6% | 29.0% | 24.1% | 19.8% | 26% |
| Indirect Auto % |
2.1%
-21.2% YoY-8.0% QoQ
|
-16.2% | 18.3% | 5.0% | 7.8% | 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)