BlastPoint's Credit Union Scorecard
HONOLULU
Charter #1830 · HI
HONOLULU has 5 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 10.8% in tier
- + Profitability Leader: Top 81.1% in tier
- + ROA 0.41% above tier average
- + Net Interest Margin 0.06% above tier average
- + Total Loans: Top 6.9% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 3.6% in tier
- - Credit Risk Growth: Bottom 6.5% in tier
- - Indirect Auto Dependency: Bottom 25.2% in tier
- - Delinquency rate 0.50% above tier average
- - Fee Income Per Member: Bottom 8.2% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
19,938
+3.4% YoY+0.4% QoQ
|
+4.3K |
15,628
-3.4% YoY
|
19,538
+4.7% YoY
|
33,089
+6.1% YoY
|
75% |
| Assets |
$397.5M
+2.3% YoY+1.2% QoQ
|
+$166.2M |
$231.3M
-0.0% YoY
|
$371.1M
+11.7% YoY
|
$547.7M
+7.8% YoY
|
Top 10.9% in tier |
| Loans |
$295.1M
+5.3% YoY+2.7% QoQ
|
+$147.3M |
$147.8M
-1.4% YoY
|
$190.1M
+8.2% YoY
|
$388.7M
+8.6% YoY
|
Top 7.0% in tier |
| Deposits |
$347.8M
+1.7% YoY+0.9% QoQ
|
+$147.5M |
$200.3M
-0.0% YoY
|
$328.7M
+11.9% YoY
|
$464.6M
+9.3% YoY
|
Top 10.5% in tier |
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| ROA |
1.2%
+21.1% YoY+5.8% QoQ
|
+0.4% |
0.8%
+15.5% YoY
|
0.8%
+109.8% YoY
|
0.7%
+273.4% YoY
|
78% |
| NIM |
3.6%
+9.9% YoY+3.0% QoQ
|
+0.1% |
3.6%
+6.9% YoY
|
3.1%
+10.9% YoY
|
3.7%
+5.0% YoY
|
54% |
| Efficiency Ratio |
63.8%
-1.1% YoY-4.9% QoQ
|
-13.5% |
77.3%
-3.0% YoY
|
73.4%
-6.7% YoY
|
79.1%
-3.3% YoY
|
Bottom 13.5% in tier |
| Delinquency Rate |
1.4%
+90.2% YoY+76.9% QoQ
|
+0.5 |
0.9%
+7.6% YoY
|
1.2%
-0.3% YoY
|
1.2%
-0.9% YoY
|
83% |
| Loan To Share |
84.8%
+3.5% YoY+1.8% QoQ
|
+12.1% |
72.7%
-1.5% YoY
|
55.2%
-1.0% YoY
|
68.0%
-1.7% YoY
|
74% |
| AMR |
$32,244
-0.1% YoY+1.4% QoQ
|
+$8K |
$24,363
+2.9% YoY
|
$22,988
+5.6% YoY
|
$19,418
+1.3% YoY
|
Top 12.7% in tier |
| CD Concentration |
30.1%
-7.5% YoY-2.1% QoQ
|
+5.7% |
24.4%
+4.2% YoY
|
23.5%
+10.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
29.1%
-5.2% YoY-0.4% QoQ
|
+15.1% |
14.0%
-5.7% YoY
|
5.1%
-6.8% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)