BlastPoint's Credit Union Scorecard
ALOHA PACIFIC
Charter #1845 · HI
ALOHA PACIFIC has 4 strengths but faces 4 concerns
How does the industry compare?
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Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 11.7% in tier
- + Organic Growth Leader: Top 15.0% in tier
- + Emerging Performer: Top 63.4% 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
|
27% |
| 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
|
39% |
| 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
|
44% |
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| 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
|
58% |
| 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
|
42% |
| 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
|
45% |
| 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
|
53% |
| CD Concentration |
26.3%
+1.2% YoY+0.4% QoQ
|
-2.7% |
29.0%
+0.7% YoY
|
23.5%
+10.2% YoY
|
19.6%
+6.2% YoY
|
39% |
| Indirect Auto % |
4.9%
-24.8% YoY-8.3% QoQ
|
-13.9% |
18.8%
-3.0% YoY
|
5.1%
-6.8% YoY
|
7.9%
-2.9% YoY
|
23% |
Signature Analysis
Strengths (3)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Concerns (1)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)