ALOHA PACIFIC

Charter #1845 | HI

1B-3B (304 CUs) Mid-Market (380 CUs)
5 1B-3B in HI

ALOHA PACIFIC has 4 strengths but faces 4 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 9.3% in tier
  • + Organic Growth Engine: Top 11.7% in tier
  • + Organic Growth Leader: Top 15.0% in tier
  • + ROA 0.03% above tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 5.9% in tier
  • - Net Interest Margin (NIM): Bottom 5.6% in tier
  • - Loan-to-Share Ratio: Bottom 6.9% in tier
  • - Total Loans: Bottom 9.9% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (HI) National Avg Tier Percentile
Members 70,882
+4.4% YoY+0.3% QoQ
 -27.8K 98,678
-1.9% YoY
 19,538
+4.7% YoY
 33,089
+6.1% YoY
 27th in tier
Assets $1.4B
+9.5% YoY-0.7% QoQ
 $-306.0M $1.7B
+0.5% YoY
 $371.1M
+11.7% YoY
 $547.7M
+7.8% YoY
 39th in tier
Loans $745.6M
-3.4% YoY-0.0% QoQ
 $-487.5M $1.2B
+0.5% YoY
 $190.1M
+8.2% YoY
 $388.7M
+8.6% YoY
 Bottom 9.5% in tier
Deposits $1.2B
+9.7% YoY-0.6% QoQ
 $-222.6M $1.5B
+1.3% YoY
 $328.7M
+11.9% YoY
 $464.6M
+9.3% YoY
 44th in tier
ROA 0.7%
+922.8% YoY-8.9% QoQ
 +0.0% 0.7%
+13.4% YoY
 0.8%
+109.8% YoY
 0.7%
+273.4% YoY
 58th in tier
NIM 2.2%
+14.4% YoY+3.2% QoQ
 -1.0% 3.3%
+9.3% YoY
 3.1%
+10.9% YoY
 3.7%
+5.0% YoY
 Bottom 5.3% in tier
Efficiency Ratio 73.2%
-15.4% YoY+3.9% QoQ
 -0.8% 74.0%
-10.9% YoY
 73.4%
-6.7% YoY
 79.1%
-3.3% YoY
 42nd in tier
Delinquency Rate 0.6%
+96.5% YoY+34.0% QoQ
 -0.2 0.8%
+6.1% YoY
 1.2%
-0.3% YoY
 1.2%
-0.9% YoY
 45th in tier
Loan To Share 60.5%
-11.9% YoY+0.6% QoQ
 -24.7% 85.2%
-0.8% YoY
 55.2%
-1.0% YoY
 68.0%
-1.7% YoY
 Bottom 6.6% in tier
AMR $27,896
-0.0% YoY-0.7% QoQ
 $-1K $29,172
+2.8% YoY
 $22,988
+5.6% YoY
 $19,418
+1.3% YoY
 53rd in tier
CD Concentration 26.3%
+1.2% YoY+0.4% QoQ
 -2.7% 29.0%
+0.8% YoY
 23.5%
+10.2% YoY
 19.6%
+6.2% YoY
 39th in tier
Indirect Auto % 4.9%
-24.8% YoY-8.3% QoQ
 -13.9% 18.8%
-2.8% YoY
 5.1%
-6.8% YoY
 7.9%
-2.9% YoY
 Bottom 23.5% in tier

Signature Analysis

Strengths (3)

Emerging Performer

growth
#50 of 184 • Top 9.3% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.73%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Member Growth (YoY): 4.44%
(Tier: 3.18%, National: 9.37%)
better than tier avg
184 of 380 Mid-Market CUs have this signature | 852 nationally
↑ Growing +18 CUs YoY | Rank improving

Organic Growth Engine

growth
#86 of 246 • Top 11.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 4.44%
(Tier: 3.18%, National: 9.37%)
better than tier avg
Return on Assets: 0.73%
(Tier: 0.71%, National: 0.71%)
better than tier avg
Indirect Auto %: 4.90%
(Tier: 18.80%, National: 7.90%)
better than tier avg
246 of 380 Mid-Market CUs have this signature | 917 nationally
↑ Growing +14 CUs YoY | Rank improving

Organic Growth Leader

growth
#60 of 138 • Top 15.0% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 4.44%
(Tier: 3.18%, National: 9.37%)
better than tier avg
138 of 380 Mid-Market CUs have this signature | 608 nationally
↑ Growing +11 CUs YoY | Rank improving

Concerns (1)

Credit Quality Pressure

risk
#46 of 217 • Bottom 5.9% in tier

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

Why This Signature
Delinquency Change (YoY): 0.31% points
(Tier: 0.07% points, National: 0.07% points)
worse than tier avg
217 of 380 Mid-Market CUs have this signature | 1002 nationally
↓ Shrinking -70 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)

Comparing against 304 peers in tier

Top Strengths (2 metrics)

47
Asset Growth Rate
growth
Value: 9.52%
Peer Avg: 4.83%
#47 of 304 Top 15.1% in 1B-3B tier
47
Deposit Growth Rate
growth
Value: 9.74%
Peer Avg: 5.58%
#47 of 304 Top 15.1% in 1B-3B tier

Top Weaknesses (5 metrics)

288
Net Interest Margin (NIM)
profitability
Value: 2.23%
Peer Avg: 3.26%
#288 of 304 Bottom 5.6% in 1B-3B tier
284
Loan-to-Share Ratio
balance_sheet
Value: 60.53%
Peer Avg: 85.19%
#284 of 304 Bottom 6.9% in 1B-3B tier
275
Total Loans
balance_sheet
Value: $745.60M
Peer Avg: $1.23B
#275 of 304 Bottom 9.9% in 1B-3B tier
269
Loan Growth Rate
growth
Value: -3.36%
Peer Avg: 5.27%
#269 of 304 Bottom 11.8% in 1B-3B tier
235
Loan-to-Member Ratio (LMR)
engagement
Value: $10,519
Peer Avg: $13,213
#235 of 304 Bottom 23.0% in 1B-3B tier