MAUI TEACHERS
Charter #1817 | HI
<100M
(2596 CUs)
Micro
($0-$500M)
21 <100M in 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
|
36th in tier |
| 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
|
65th in tier |
| 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
|
55th in tier |
| 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
|
65th in tier |
| 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
|
40th in tier |
| 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
|
36th in tier |
| 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
|
Bottom 18.1% in tier |
| 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
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
5.1%
-6.8% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (9 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Avg: 1.51%
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
75
Average Member Relationship (AMR)
engagement
Value:
$32,276
Peer Avg: $14,627
#75 of 2596
Top 2.9% in <100M tier
101
AMR Growth Rate
growth
Value:
16.11%
Peer Avg: 4.67%
#101 of 2596
Top 3.9% in <100M tier
164
Loan Growth Rate
growth
Value:
14.64%
Peer Avg: 59.01%
#164 of 2596
Top 6.3% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
277
Asset Growth Rate
growth
Value:
8.88%
Peer Avg: 1.82%
#277 of 2596
Top 10.6% in <100M tier
285
Deposit Growth Rate
growth
Value:
9.02%
Peer Avg: 16.80%
#285 of 2596
Top 10.9% in <100M tier
306
Loan-to-Member Ratio (LMR)
engagement
Value:
$9,097
Peer Avg: $5,488
#306 of 2596
Top 11.7% in <100M tier
Top Weaknesses (5 metrics)
2504
Net Interest Margin (NIM)
profitability
Value:
2.02%
Peer Avg: 3.93%
#2504 of 2596
Bottom 3.6% in <100M tier
2123
Member Growth Rate
growth
Value:
-4.80%
Peer Avg: 14.92%
#2123 of 2596
Bottom 18.3% in <100M tier
2121
Loan-to-Share Ratio
balance_sheet
Value:
39.25%
Peer Avg: 61.23%
#2121 of 2596
Bottom 18.3% in <100M tier
2014
Fee Income Per Member
profitability
Value:
$14.31
Peer Avg: $182.96
#2014 of 2596
Bottom 22.5% in <100M tier
2007
Share Certificate Concentration (%)
balance_sheet
Value:
26.09%
Peer Avg: 15.37%
#2007 of 2596
Bottom 22.7% in <100M tier