BlastPoint's Credit Union Scorecard
HAWAIIUSA
Charter #1815 · HI
HAWAIIUSA has 2 strengths but faces 2 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 7.0% in tier
- + Total Assets: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 2.88% above tier (higher cost structure)
- - First Mortgage Concentration (%): Bottom 10.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 300 credit unions with $1B-$3B in assets nationally, and 1 of 5 that size in Hawaii.
- Shares and deposits +1.4% year over year ($2.36B in shares and deposits).
- Membership: 131,069 members, -0.5% vs a year ago.
- Delinquency rate 0.39%.
- Return on assets 0.85%.
- Efficiency ratio 75.90% vs a 73.02% peer average.
- Loan-to-share ratio 66.46% vs a 84.71% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
131,069
-0.5% YoY+0.4% QoQ
|
+34.2K |
96,861
-1.9% YoY
|
19,590
+0.5% YoY
|
34,678
+6.6% YoY
|
82% |
| Assets |
$2.7B
+2.3% YoY-0.2% QoQ
|
+$944.1M |
$1.7B
+0.4% YoY
|
$386.0M
+4.8% YoY
|
$593.1M
+10.2% YoY
|
Top 9.3% in tier |
| Loans |
$1.6B
+8.0% YoY+2.2% QoQ
|
+$331.3M |
$1.2B
+0.7% YoY
|
$197.3M
+5.5% YoY
|
$418.6M
+10.1% YoY
|
75% |
| Deposits |
$2.4B
+1.4% YoY-0.3% QoQ
|
+$892.3M |
$1.5B
+0.5% YoY
|
$341.6M
+4.3% YoY
|
$504.8M
+10.3% YoY
|
Top 7.3% in tier |
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| ROA |
0.8%
+65.1% YoY+8.8% QoQ
|
+0.0% |
0.8%
+27.6% YoY
|
1.0%
+38.1% YoY
|
1.2%
+121.4% YoY
|
58% |
| NIM |
2.9%
+7.9% YoY+1.2% QoQ
|
-0.5% |
3.4%
+6.6% YoY
|
3.2%
+7.0% YoY
|
3.8%
+2.3% YoY
|
16% |
| Efficiency Ratio |
75.9%
-3.7% YoY-3.4% QoQ
|
+2.9% |
73.0%
-2.7% YoY
|
73.0%
-3.2% YoY
|
83.0%
-5.3% YoY
|
61% |
| Delinquency Rate |
0.4%
-30.4% YoY+29.3% QoQ
|
-0.5 |
0.9%
+7.3% YoY
|
1.3%
-1.1% YoY
|
1.3%
+2.6% YoY
|
19% |
| Loan To Share |
66.5%
+6.5% YoY+2.6% QoQ
|
-18.3% |
84.7%
+0.1% YoY
|
53.4%
-3.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 12.7% in tier |
| AMR |
$29,917
+4.4% YoY+0.3% QoQ
|
+$341 |
$29,575
+1.5% YoY
|
$23,604
+3.8% YoY
|
$20,028
-0.9% YoY
|
60% |
| CD Concentration |
23.7%
-4.2% YoY+1.3% QoQ
|
-5.3% | 29.1% | 25.0% | 20.0% | 27% |
| Indirect Auto % |
1.7%
-30.5% YoY-2.0% QoQ
|
-16.4% | 18.1% | 4.8% | 7.7% | 19% |
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)