BlastPoint's Credit Union Scorecard

HONOLULU

Charter #1830 · HI

100M-500M

1024 CUs in 100M-500M nationally 15 in HI

HONOLULU has 7 strengths but faces 4 concerns

National Analysis

How does the industry compare?

HI Analysis

How does HI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 0.31% above tier average
+ Total Loans: Top 4.7% in tier
+ Total Deposits: Top 7.5% in tier
+ Total Assets: Top 8.0% in tier
+ Loan-to-Member Ratio (LMR): Top 9.3% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Delinquency rate 0.48% above tier average

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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 15 that size in Hawaii.
Shares and deposits +6.0% year over year ($365M in shares and deposits).
Membership: 19,888 members, +0.1% vs a year ago.
Delinquency rate 1.36%.
Return on assets 1.17%.
Efficiency ratio 64.13% vs a 76.73% peer average.
Loan-to-share ratio 87.07% vs a 71.54% 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	19,888 +0.1% YoY+0.5% QoQ	+4.7K	15,168 -2.6% YoY	19,590 +0.5% YoY	34,678 +6.6% YoY	77%
Assets	$423.3M +7.8% YoY+1.2% QoQ	+$191.3M	$232.0M +0.7% YoY	$386.0M +4.8% YoY	$593.1M +10.2% YoY	Top 8.1% in tier
Loans	$318.1M +10.8% YoY+4.2% QoQ	+$171.8M	$146.3M +0.2% YoY	$197.3M +5.5% YoY	$418.6M +10.1% YoY	Top 4.8% in tier
Deposits	$365.3M +6.0% YoY-0.1% QoQ	+$164.6M	$200.7M +0.2% YoY	$341.6M +4.3% YoY	$504.8M +10.3% YoY	Top 7.6% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.2% +3.4% YoY+4.6% QoQ	+0.3%	0.9% +12.5% YoY	1.0% +38.1% YoY	1.2% +121.4% YoY	74%
NIM	3.6% +1.3% YoY+1.3% QoQ	-0.1%	3.7% +4.5% YoY	3.2% +7.0% YoY	3.8% +2.3% YoY	44%
Efficiency Ratio	64.1% -4.3% YoY-1.4% QoQ	-12.6%	76.7% -0.8% YoY	73.0% -3.2% YoY	83.0% -5.3% YoY	Top 14.1% in tier
Delinquency Rate	1.4% +76.7% YoY+0.7% QoQ	+0.5	0.9% +6.6% YoY	1.3% -1.1% YoY	1.3% +2.6% YoY	82%
Loan To Share	87.1% +4.5% YoY+4.3% QoQ	+15.5%	71.5% -0.3% YoY	53.4% -3.2% YoY	66.4% -1.4% YoY	80%
AMR	$34,362 +8.0% YoY+1.3% QoQ	+$9K	$25,107 +3.2% YoY	$23,604 +3.8% YoY	$20,028 -0.9% YoY	Top 11.5% in tier
CD Concentration	34.6% +12.4% YoY+5.7% QoQ	+10.0%	24.6%	25.0%	20.0%	50%
Indirect Auto %	28.4% -2.7% YoY+0.6% QoQ	+14.8%	13.6%	4.8%	7.7%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#64 of 262 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 8.03%

(Tier: 3.97%, National: 35.20%)

better than tier avg

Share Draft per Member: $2.6K

(Tier: $2.9K, National: $2.1K)

but worse than tier avg

262 of 1024 Mid-Small & Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY | New qualifier

Wallet Share Momentum

growth

#204 of 483 • Top 50.0% in tier

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

Why This Signature

AMR Growth (YoY): 8.03%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | New qualifier

Concerns (3)

Credit Risk Growth

risk

#29 of 472 • Bottom 50.0% in tier

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

Why This Signature

Loan Growth (YoY): 10.76%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.59% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Credit Quality Pressure

risk

#108 of 693 • Bottom 50.0% in tier

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

Why This Signature

Delinquency Change (YoY): 0.59% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#103 of 476 • Bottom 50.0% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 7.78%

(Tier: 4.62%, National: 3.30%)

but better than tier avg

Indirect Auto %: 28.38%

(Tier: 13.63%, National: 7.71%)

worse than tier avg

Member Growth (YoY): 0.12%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

476 of 1024 Mid-Small & Community CUs have this signature | 714 nationally

↓ Shrinking -57 CUs YoY | Rank improving

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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (11 metrics)

Total Loans

balance_sheet

Value: $318.07M

Peer Median: $124.04M

#49 of 1024 Top 4.7% in 100M-500M tier

Total Deposits

balance_sheet

Value: $365.33M

Peer Median: $170.77M

#78 of 1024 Top 7.5% in 100M-500M tier

Total Assets

balance_sheet

Value: $423.31M

Peer Median: $196.38M

#83 of 1024 Top 8.0% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $15,993

Peer Median: $9,434

#96 of 1024 Top 9.3% in 100M-500M tier

118

Average Member Relationship (AMR)

engagement

Value: $34,362

Peer Median: $23,006

#118 of 1024 Top 11.4% in 100M-500M tier

145

Efficiency Ratio

profitability

Value: 64.13%

Peer Median: 77.26%

#145 of 1024 Top 14.1% in 100M-500M tier

148

Loan Growth Rate

growth

Value: 10.76%

Peer Median: 3.02%

#148 of 1024 Top 14.4% in 100M-500M tier

157

AMR Growth Rate

growth

Value: 8.03%

Peer Median: 3.53%

#157 of 1024 Top 15.2% in 100M-500M tier

194

Asset Growth Rate

growth

Value: 7.78%

Peer Median: 4.12%

#194 of 1024 Top 18.8% in 100M-500M tier

207

Loan-to-Share Ratio

balance_sheet

Value: 87.07%

Peer Median: 73.07%

#207 of 1024 Top 20.1% in 100M-500M tier

Top Weaknesses (4 metrics)

915

Fee Income Per Member

profitability

Value: $87.41

Peer Median: $159.88

#915 of 1024 Bottom 10.7% in 100M-500M tier

853

Indirect Auto Concentration (%)

balance_sheet

Value: 28.38%

Peer Median: 6.15%

#853 of 1024 Bottom 16.8% in 100M-500M tier

853

Share Certificate Concentration (%)

balance_sheet

Value: 34.59%

Peer Median: 23.39%

#853 of 1024 Bottom 16.8% in 100M-500M tier

842

Total Delinquency Rate (60+ days)

risk

Value: 1.36%

Peer Median: 0.71%

#842 of 1024 Bottom 17.9% in 100M-500M tier