BlastPoint's Credit Union Scorecard
HONOLULU
Charter #1830 · HI
HONOLULU has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 64.8% in tier
- + ROA 0.42% above tier average
- + Net Interest Margin 0.04% above tier average
- + Total Loans: Top 6.0% in tier
- + Total Deposits: Top 9.4% in tier
- + Loan-to-Member Ratio (LMR): Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Dependency: Bottom 63.6% in tier
- - Fee Income Per Member: Bottom 8.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
19,611
+0.2% YoY-1.6% QoQ
|
+4.2K |
15,437
-2.9% YoY
|
19,461
+2.6% YoY
|
33,374
+5.7% YoY
|
75% |
| Assets |
$405.8M
+3.2% YoY+2.1% QoQ
|
+$173.9M |
$231.9M
+1.3% YoY
|
$378.0M
+8.3% YoY
|
$561.6M
+9.7% YoY
|
Top 10.4% in tier |
| Loans |
$301.7M
+6.1% YoY+2.2% QoQ
|
+$154.3M |
$147.3M
-0.1% YoY
|
$192.6M
+6.6% YoY
|
$397.0M
+8.8% YoY
|
Top 6.1% in tier |
| Deposits |
$354.7M
+2.3% YoY+2.0% QoQ
|
+$153.9M |
$200.8M
+0.8% YoY
|
$334.4M
+8.0% YoY
|
$477.3M
+9.7% YoY
|
Top 9.4% in tier |
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| ROA |
1.2%
+19.1% YoY-1.8% QoQ
|
+0.4% |
0.8%
+18.2% YoY
|
0.8%
+46.9% YoY
|
0.7%
+15.9% YoY
|
79% |
| NIM |
3.6%
+9.8% YoY+0.1% QoQ
|
+0.0% |
3.6%
+6.7% YoY
|
3.1%
+6.7% YoY
|
3.8%
+5.1% YoY
|
52% |
| Efficiency Ratio |
63.3%
-2.2% YoY-0.7% QoQ
|
-13.7% |
77.0%
-3.1% YoY
|
73.8%
-6.9% YoY
|
79.7%
-3.3% YoY
|
Bottom 11.7% in tier |
| Delinquency Rate |
0.9%
-16.7% YoY-36.4% QoQ
|
-0.0 |
0.9%
+4.2% YoY
|
1.2%
-2.0% YoY
|
1.3%
-2.1% YoY
|
60% |
| Loan To Share |
85.1%
+3.6% YoY+0.3% QoQ
|
+12.8% |
72.2%
-1.1% YoY
|
54.4%
-2.4% YoY
|
67.4%
-1.7% YoY
|
75% |
| AMR |
$33,470
+3.8% YoY+3.8% QoQ
|
+$9K |
$24,676
+3.4% YoY
|
$23,250
+4.8% YoY
|
$19,687
+2.0% YoY
|
Top 11.4% in tier |
| CD Concentration |
32.3%
-4.1% YoY+7.1% QoQ
|
+7.8% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % |
28.4%
-4.8% YoY-2.3% QoQ
|
+14.6% | 13.8% | 5.0% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (1)
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)