BlastPoint's Credit Union Scorecard
MAUI TEACHERS
Charter #1817 · HI
MAUI TEACHERS has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Average Member Relationship (AMR): Top 2.9% in tier
- + AMR Growth Rate: Top 3.9% in tier
- + Loan Growth Rate: Top 6.3% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.11% below tier average
- - Member decline: -4.8% YoY
- - Net Interest Margin (NIM): Bottom 3.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,290
-4.8% YoY-1.5% QoQ
|
-1.3K |
2,625
-2.2% YoY
|
19,538
+4.7% YoY
|
33,089
+6.1% YoY
|
36% |
| Assets |
$35.0M
+8.9% YoY+1.8% QoQ
|
+$5.2M |
$29.9M
+1.1% YoY
|
$371.1M
+11.7% YoY
|
$547.7M
+7.8% YoY
|
65% |
| Loans |
$11.7M
+14.6% YoY+5.1% QoQ
|
$-4.0M |
$15.8M
-2.4% YoY
|
$190.1M
+8.2% YoY
|
$388.7M
+8.6% YoY
|
55% |
| Deposits |
$29.9M
+9.0% YoY+1.1% QoQ
|
+$4.4M |
$25.5M
+0.4% YoY
|
$328.7M
+11.9% YoY
|
$464.6M
+9.3% YoY
|
65% |
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| ROA |
0.6%
-12.6% YoY+19.8% QoQ
|
-0.1% |
0.7%
-731.4% YoY
|
0.8%
+109.8% YoY
|
0.7%
+273.4% YoY
|
40% |
| NIM |
2.0%
-9.8% YoY+1.5% QoQ
|
-1.9% |
3.9%
+3.8% YoY
|
3.1%
+10.9% YoY
|
3.7%
+5.0% YoY
|
Bottom 3.5% in tier |
| Efficiency Ratio |
72.5%
+2.1% YoY-6.1% QoQ
|
-8.9% |
81.4%
-2.4% YoY
|
73.4%
-6.7% YoY
|
79.1%
-3.3% YoY
|
36% |
| Delinquency Rate |
0.0%
-100.0% YoY-100.0% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
1.2%
-0.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
39.2%
+5.2% YoY+4.0% QoQ
|
-22.0% |
61.2%
-3.0% YoY
|
55.2%
-1.0% YoY
|
68.0%
-1.7% YoY
|
18% |
| AMR |
$32,276
+16.1% YoY+3.8% QoQ
|
+$18K |
$14,627
-2.7% YoY
|
$22,988
+5.6% YoY
|
$19,418
+1.3% YoY
|
Top 2.9% in tier |
| CD Concentration |
26.1%
+82.3% YoY+4.4% QoQ
|
+1.7% |
24.4%
+4.2% YoY
|
23.5%
+10.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.1%
-6.8% YoY
|
7.9%
-2.9% YoY
|
50% |
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)