BlastPoint's Credit Union Scorecard
ALOHA PACIFIC
Charter #1845 · HI
ALOHA PACIFIC has 1 strength but faces 3 concerns
How does the industry compare?
What's your peer group doing?
How does HI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.00% above tier average
Key Concerns
Areas that may need attention
- - Efficiency ratio 1.25% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 5.6% in tier
- - Loan-to-Share Ratio: Bottom 6.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
70,349
+0.3% YoY-0.8% QoQ
|
-27.1K |
97,431
-2.4% YoY
|
19,461
+2.6% YoY
|
33,374
+5.7% YoY
|
27% |
| Assets |
$1.5B
+9.8% YoY+4.7% QoQ
|
$-243.1M |
$1.7B
+0.9% YoY
|
$378.0M
+8.3% YoY
|
$561.6M
+9.7% YoY
|
48% |
| Loans |
$747.6M
-2.9% YoY+0.3% QoQ
|
$-486.8M |
$1.2B
+0.5% YoY
|
$192.6M
+6.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 10.3% in tier |
| Deposits |
$1.3B
+7.9% YoY+3.4% QoQ
|
$-185.1M |
$1.5B
+0.9% YoY
|
$334.4M
+8.0% YoY
|
$477.3M
+9.7% YoY
|
47% |
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| ROA |
0.7%
+294.6% YoY-6.0% QoQ
|
+0.0% |
0.7%
+20.9% YoY
|
0.8%
+46.9% YoY
|
0.7%
+15.9% YoY
|
54% |
| NIM |
2.2%
+13.3% YoY+0.8% QoQ
|
-1.0% |
3.3%
+9.2% YoY
|
3.1%
+6.7% YoY
|
3.8%
+5.1% YoY
|
Bottom 5.3% in tier |
| Efficiency Ratio |
75.3%
-10.9% YoY+2.9% QoQ
|
+1.3% |
74.1%
-9.5% YoY
|
73.8%
-6.9% YoY
|
79.7%
-3.3% YoY
|
54% |
| Delinquency Rate |
0.3%
-31.4% YoY-50.8% QoQ
|
-0.6 |
0.9%
+6.2% YoY
|
1.2%
-2.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 10.9% in tier |
| Loan To Share |
58.7%
-10.0% YoY-3.1% QoQ
|
-26.1% |
84.8%
-0.8% YoY
|
54.4%
-2.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 5.6% in tier |
| AMR |
$28,740
+3.3% YoY+3.0% QoQ
|
$-688 |
$29,428
+2.4% YoY
|
$23,250
+4.8% YoY
|
$19,687
+2.0% YoY
|
57% |
| CD Concentration |
26.6%
+7.9% YoY+1.1% QoQ
|
-2.5% | 29.0% | 24.1% | 19.8% | 40% |
| Indirect Auto % |
4.5%
-27.0% YoY-8.2% QoQ
|
-13.8% | 18.3% | 5.0% | 7.8% | 24% |
Signature Analysis
Strengths (0)
Concerns (0)
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)