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BlastPoint's Credit Union Scorecard

HFS

Charter #1829 · HI

Mid-Market 1B-3B
300 CUs in 1B-3B nationally 5 in HI
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HFS has 5 strengths but faces 6 concerns

National Analysis

How does the industry compare?
Mid-Market Tier

What's your peer group doing?
HI Analysis

How does HI stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 28.2% in tier
  • + Emerging Performer: Top 34.7% in tier
  • + Organic Growth Engine: Top 38.7% in tier
  • + Organic Growth Leader: Top 38.7% in tier
  • + ROA 0.14% above tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 27.2% in tier
  • - Credit Risk Growth: Bottom 33.1% in tier
  • - Delinquency rate 0.55% above tier average
  • - Loan-to-Share Ratio: Bottom 2.0% in tier
  • - Total Loans: Bottom 2.3% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 5.7% 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 +9.3% year over year ($988M in shares and deposits).
  • Membership: 56,409 members, +3.0% vs a year ago.
  • Delinquency rate 1.41%.
  • Return on assets 0.96%.
  • Efficiency ratio 66.34% vs a 73.02% peer average.
  • Loan-to-share ratio 48.80% 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 56,409
+3.0% YoY+0.8% QoQ
 -40.5K 96,861
-1.9% YoY
 19,590
+0.5% YoY
 34,678
+6.6% YoY
 Bottom 11.3% in tier
Assets $1.1B
+9.4% YoY-0.1% QoQ
 $-625.7M $1.7B
+0.4% YoY
 $386.0M
+4.8% YoY
 $593.1M
+10.2% YoY
 Bottom 10.0% in tier
Loans $482.1M
+8.5% YoY+3.0% QoQ
 $-752.2M $1.2B
+0.7% YoY
 $197.3M
+5.5% YoY
 $418.6M
+10.1% YoY
 Bottom 2.0% in tier
Deposits $987.9M
+9.3% YoY-0.4% QoQ
 $-475.4M $1.5B
+0.5% YoY
 $341.6M
+4.3% YoY
 $504.8M
+10.3% YoY
 18%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 1.0%
-8.6% YoY+22.6% QoQ
 +0.1% 0.8%
+27.6% YoY
 1.0%
+38.1% YoY
 1.2%
+121.4% YoY
 68%
NIM 2.9%
+11.2% YoY+4.1% QoQ
 -0.6% 3.4%
+6.6% YoY
 3.2%
+7.0% YoY
 3.8%
+2.3% YoY
 Bottom 14.0% in tier
Efficiency Ratio 66.3%
-2.6% YoY-1.3% QoQ
 -6.7% 73.0%
-2.7% YoY
 73.0%
-3.2% YoY
 83.0%
-5.3% YoY
 20%
Delinquency Rate 1.4%
+11.0% YoY+29.5% QoQ
 +0.5 0.9%
+7.3% YoY
 1.3%
-1.1% YoY
 1.3%
+2.6% YoY
 Bottom 14.3% in tier
Loan To Share 48.8%
-0.7% YoY+3.4% QoQ
 -35.9% 84.7%
+0.1% YoY
 53.4%
-3.2% YoY
 66.4%
-1.4% YoY
 Bottom 1.7% in tier
AMR $26,059
+5.8% YoY-0.1% QoQ
 $-4K $29,575
+1.5% YoY
 $23,604
+3.8% YoY
 $20,028
-0.9% YoY
 36%
CD Concentration 30.9%
+5.8% YoY-1.0% QoQ
 +1.8% 29.1% 25.0% 20.0% 60%
Indirect Auto % 5.7%
-17.6% YoY-5.6% QoQ
 -12.4% 18.1% 4.8% 7.7% 26%

Signature Analysis

Strengths (4)

Emerging Performer

growth
#44 of 82 • Top 34.7% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature
Return on Assets: 0.96%
(Tier: 0.84%, National: 1.23%)
better than tier avg
Member Growth (YoY): 3.04%
(Tier: 3.16%, National: 15.67%)
but worse than tier avg
82 of 377 Mid-Market CUs have this signature | 283 nationally
↑ Growing +14 CUs YoY | Rank worsening

Organic Growth Engine

growth
#68 of 113 • Top 38.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 3.04%
(Tier: 3.16%, National: 15.67%)
but worse than tier avg
Return on Assets: 0.96%
(Tier: 0.84%, National: 1.23%)
better than tier avg
Indirect Auto %: 5.72%
(Tier: 18.08%, National: 7.71%)
better than tier avg
113 of 377 Mid-Market CUs have this signature | 490 nationally
↓ Shrinking -131 CUs YoY

Organic Growth Leader

growth
#69 of 112 • Top 38.7% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 3.04%
(Tier: 3.16%, National: 15.67%)
but worse than tier avg
Indirect Auto %: 5.72%
(Tier: 18.08%, National: 7.71%)
better than tier avg
112 of 377 Mid-Market CUs have this signature | 485 nationally
↓ Shrinking -20 CUs YoY | Rank improving

Wallet Share Momentum

growth
#105 of 125 • Top 28.2% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature
AMR Growth (YoY): 5.80%
(Tier: 3.62%, National: 35.20%)
better than tier avg
125 of 377 Mid-Market CUs have this signature | 635 nationally
↑ Growing +22 CUs YoY | Rank worsening

Concerns (2)

Credit Risk Growth

risk
#54 of 170 • Bottom 33.1% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 8.53%
(Tier: 6.76%, National: 78.26%)
but better than tier avg
Delinquency Change (YoY): 0.14% points
(Tier: 0.06% points, National: 0.08% points)
worse than tier avg
170 of 377 Mid-Market CUs have this signature | 688 nationally
→ Stable (169→170 CUs) +1 CUs YoY | Rank worsening

Credit Quality Pressure

risk
#101 of 215 • Bottom 27.2% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 0.14% points
(Tier: 0.06% points, National: 0.08% points)
worse than tier avg
215 of 377 Mid-Market CUs have this signature | 962 nationally
↓ Shrinking -28 CUs YoY | Rank worsening

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)

Comparing against 300 peers in tier

Top Strengths (4 metrics)

62
Efficiency Ratio
profitability
Value: 66.34%
Peer Median: 73.62%
#62 of 300 Top 20.3% in 1B-3B tier
62
Deposit Growth Rate
growth
Value: 9.25%
Peer Median: 4.79%
#62 of 300 Top 20.3% in 1B-3B tier
62
Members Per Employee (MPE)
engagement
Value: 414.772
Peer Median: 346.173
#62 of 300 Top 20.3% in 1B-3B tier
63
Asset Growth Rate
growth
Value: 9.39%
Peer Median: 5.21%
#63 of 300 Top 20.7% in 1B-3B tier

Top Weaknesses (10 metrics)

295
Loan-to-Share Ratio
balance_sheet
Value: 48.80%
Peer Median: 87.07%
#295 of 300 Bottom 2.0% in 1B-3B tier
294
Total Loans
balance_sheet
Value: $482.06M
Peer Median: $1.14B
#294 of 300 Bottom 2.3% in 1B-3B tier
284
Loan-to-Member Ratio (LMR)
engagement
Value: $8,546
Peer Median: $12,809
#284 of 300 Bottom 5.7% in 1B-3B tier
270
Total Assets
balance_sheet
Value: $1.10B
Peer Median: $1.51B
#270 of 300 Bottom 10.3% in 1B-3B tier
266
Total Members
engagement
Value: 56,409
Peer Median: 86,516
#266 of 300 Bottom 11.7% in 1B-3B tier
265
First Mortgage Concentration (%)
balance_sheet
Value: 50.99%
Peer Median: 33.59%
#265 of 300 Bottom 12.0% in 1B-3B tier
258
Net Interest Margin (NIM)
profitability
Value: 2.85%
Peer Median: 3.46%
#258 of 300 Bottom 14.3% in 1B-3B tier
258
Total Delinquency Rate (60+ days)
risk
Value: 1.41%
Peer Median: 0.70%
#258 of 300 Bottom 14.3% in 1B-3B tier
254
Net Worth Ratio
risk
Value: 9.32%
Peer Median: 10.91%
#254 of 300 Bottom 15.7% in 1B-3B tier
247
Total Deposits
balance_sheet
Value: $987.91M
Peer Median: $1.30B
#247 of 300 Bottom 18.0% in 1B-3B tier
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