BlastPoint's Credit Union Scorecard

HONOLULU

Charter #1830 · HI

100M-500M

1070 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 0.39% above tier average
+ Total Loans: Top 5.4% in tier
+ Total Deposits: Top 7.9% in tier
+ Total Assets: Top 8.7% in tier
+ Loan-to-Member Ratio (LMR): Top 10.0% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Delinquency rate 0.58% above tier average

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (HI)	National Avg	Tier Percentile
Members	19,786 -0.4% YoY+0.9% QoQ	+4.6K	15,145 -2.5% YoY	19,510 +0.1% YoY	33,913 +5.7% YoY	76%
Assets	$418.1M +4.9% YoY+3.0% QoQ	+$186.4M	$231.7M +0.8% YoY	$385.1M +5.4% YoY	$578.3M +9.0% YoY	Top 8.8% in tier
Loans	$305.3M +5.9% YoY+1.2% QoQ	+$161.2M	$144.1M +0.2% YoY	$193.9M +4.9% YoY	$402.4M +8.7% YoY	Top 5.5% in tier
Deposits	$365.7M +3.9% YoY+3.1% QoQ	+$164.5M	$201.1M +0.4% YoY	$341.1M +4.6% YoY	$494.3M +9.1% YoY	Top 7.9% in tier

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

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	1.1% +8.9% YoY-4.9% QoQ	+0.4%	0.7% +5.1% YoY	0.8% -0.9% YoY	0.4% -39.2% YoY	76%
NIM	3.5% +2.2% YoY-3.0% QoQ	-0.1%	3.6% +4.6% YoY	3.2% +6.8% YoY	3.8% +4.1% YoY	45%
Efficiency Ratio	65.0% +0.4% YoY+2.7% QoQ	-13.0%	78.0% -1.7% YoY	73.4% -3.4% YoY	84.6% +2.8% YoY	15%
Delinquency Rate	1.4% +142.7% YoY+56.2% QoQ	+0.6	0.8% +7.1% YoY	1.1% +17.2% YoY	1.2% +3.4% YoY	Bottom 13.4% in tier
Loan To Share	83.5% +1.9% YoY-1.8% QoQ	+13.1%	70.4% -0.4% YoY	53.2% -3.6% YoY	65.6% -1.4% YoY	76%
AMR	$33,913 +5.2% YoY+1.3% QoQ	+$9K	$24,918 +2.7% YoY	$23,509 +4.4% YoY	$19,920 +1.6% YoY	Top 11.5% in tier
CD Concentration	32.7% +0.4% YoY+1.5% QoQ	+8.5%	24.3%	24.4%	19.8%	50%
Indirect Auto %	28.2% -3.6% YoY-0.6% QoQ	+14.4%	13.8%	4.9%	7.7%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#127 of 257 • 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): 5.22%

(Tier: 3.74%, National: 6.36%)

better than tier avg

Share Draft per Member: $2.8K

(Tier: $3.0K, National: $2.1K)

but worse than tier avg

257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally

↑ Growing +27 CUs YoY | New qualifier

Wallet Share Momentum

growth

#465 of 491 • 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): 5.22%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Concerns (3)

Credit Quality Pressure

risk

#51 of 727 • 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): 0.80% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Credit Risk Growth

risk

#77 of 476 • 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): 5.90%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.80% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Indirect Auto Dependency

risk

#213 of 504 • 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): 4.91%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 28.22%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): -0.39%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 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 1070 peers in tier

Top Strengths (9 metrics)

Total Loans

balance_sheet

Value: $305.33M

Peer Median: $121.41M

#59 of 1070 Top 5.4% in 100M-500M tier

Total Deposits

balance_sheet

Value: $365.67M

Peer Median: $171.29M

#85 of 1070 Top 7.9% in 100M-500M tier

Total Assets

balance_sheet

Value: $418.10M

Peer Median: $196.57M

#94 of 1070 Top 8.7% in 100M-500M tier

108

Loan-to-Member Ratio (LMR)

engagement

Value: $15,432

Peer Median: $9,356

#108 of 1070 Top 10.0% in 100M-500M tier

123

Average Member Relationship (AMR)

engagement

Value: $33,913

Peer Median: $22,931

#123 of 1070 Top 11.4% in 100M-500M tier

164

Efficiency Ratio

profitability

Value: 65.02%

Peer Median: 78.68%

#164 of 1070 Top 15.2% in 100M-500M tier

252

Loan-to-Share Ratio

balance_sheet

Value: 83.50%

Peer Median: 71.88%

#252 of 1070 Top 23.5% in 100M-500M tier

253

Total Members

engagement

Value: 19,786

Peer Median: 13,200

#253 of 1070 Top 23.6% in 100M-500M tier

256

Return on Assets (ROA)

profitability

Value: 1.12%

Peer Median: 0.69%

#256 of 1070 Top 23.8% in 100M-500M tier

Top Weaknesses (4 metrics)

950

Fee Income Per Member

profitability

Value: $82.36

Peer Median: $154.95

#950 of 1070 Bottom 11.3% in 100M-500M tier

928

Total Delinquency Rate (60+ days)

risk

Value: 1.35%

Peer Median: 0.61%

#928 of 1070 Bottom 13.4% in 100M-500M tier

882

Indirect Auto Concentration (%)

balance_sheet

Value: 28.22%

Peer Median: 6.61%

#882 of 1070 Bottom 17.7% in 100M-500M tier

850

Share Certificate Concentration (%)

balance_sheet

Value: 32.73%

Peer Median: 23.10%

#850 of 1070 Bottom 20.7% in 100M-500M tier