BlastPoint's Credit Union Scorecard
MAUI TEACHERS
Charter #1817 · HI
MAUI TEACHERS has 8 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
- + AMR Growth Rate: Top 2.9% in tier
- + Average Member Relationship (AMR): Top 2.9% in tier
- + Loan Growth Rate: Top 3.9% in tier
- + Asset Growth Rate: Top 5.6% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
- + Deposit Growth Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 0.03% below tier average
- - Member decline: -4.9% YoY
- - Net Interest Margin (NIM): Bottom 4.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,278
-4.9% YoY-0.9% QoQ
|
-1.3K |
2,615
-1.9% YoY
|
19,461
+2.6% YoY
|
33,374
+5.7% YoY
|
35% |
| Assets |
$35.6M
+12.2% YoY+1.6% QoQ
|
+$5.4M |
$30.1M
+2.1% YoY
|
$378.0M
+8.3% YoY
|
$561.6M
+9.7% YoY
|
65% |
| Loans |
$11.6M
+19.8% YoY-0.9% QoQ
|
$-4.1M |
$15.8M
-1.3% YoY
|
$192.6M
+6.6% YoY
|
$397.0M
+8.8% YoY
|
54% |
| Deposits |
$30.4M
+10.9% YoY+1.6% QoQ
|
+$4.7M |
$25.7M
+1.4% YoY
|
$334.4M
+8.0% YoY
|
$477.3M
+9.7% YoY
|
66% |
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| ROA |
0.6%
-8.2% YoY+3.0% QoQ
|
-0.0% |
0.6%
+10.8% YoY
|
0.8%
+46.9% YoY
|
0.7%
+15.9% YoY
|
45% |
| NIM |
2.1%
-8.2% YoY+2.5% QoQ
|
-1.9% |
4.0%
+4.0% YoY
|
3.1%
+6.7% YoY
|
3.8%
+5.1% YoY
|
Bottom 4.1% in tier |
| Efficiency Ratio |
72.5%
+1.3% YoY+0.0% QoQ
|
-10.1% |
82.6%
-2.3% YoY
|
73.8%
-6.9% YoY
|
79.7%
-3.3% YoY
|
32% |
| Delinquency Rate |
0.0%
-100.0% YoY
|
-1.6 |
1.6%
-3.1% YoY
|
1.2%
-2.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
38.3%
+8.0% YoY-2.5% QoQ
|
-22.3% |
60.6%
-3.1% YoY
|
54.4%
-2.4% YoY
|
67.4%
-1.7% YoY
|
18% |
| AMR |
$32,862
+19.1% YoY+1.8% QoQ
|
+$18K |
$14,783
-1.4% YoY
|
$23,250
+4.8% YoY
|
$19,687
+2.0% YoY
|
Top 3.0% in tier |
| CD Concentration |
25.9%
+59.1% YoY-0.7% QoQ
|
+1.5% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.0% | 7.8% | 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)