BlastPoint's Credit Union Scorecard

ALOHA PACIFIC

Charter #1845 · HI

Mid-Market 1B-3B

306 CUs in 1B-3B nationally 5 in HI

View Mid-Market leaderboard →

ALOHA PACIFIC has 4 strengths but faces 5 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

HI Analysis

How does HI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 66.1% in tier
+ Organic Growth Engine: Top 66.1% in tier
+ Net Charge-Off Rate: Top 6.9% in tier
+ Total Delinquency Rate (60+ days): Top 9.5% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 21.7% in tier
- ROA 0.19% below tier average
- Efficiency ratio 6.81% above tier (higher cost structure)
- Net Interest Margin (NIM): Bottom 4.2% in tier
- Loan-to-Share Ratio: Bottom 5.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (HI)	National Avg	Tier Percentile
Members	70,841 +0.8% YoY+0.7% QoQ	-25.2K	96,048 -2.7% YoY	19,510 +0.1% YoY	33,913 +5.7% YoY	28%
Assets	$1.5B +9.3% YoY+3.3% QoQ	$-190.3M	$1.7B +0.4% YoY	$385.1M +5.4% YoY	$578.3M +9.0% YoY	51%
Loans	$746.3M -0.6% YoY-0.2% QoQ	$-467.5M	$1.2B +0.2% YoY	$193.9M +4.9% YoY	$402.4M +8.7% YoY	Bottom 11.8% in tier
Deposits	$1.3B +7.9% YoY+3.9% QoQ	$-141.2M	$1.5B +0.5% YoY	$341.1M +4.6% YoY	$494.3M +9.1% YoY	52%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.5% +87.6% YoY-22.9% QoQ	-0.2%	0.7% +27.6% YoY	0.8% -0.9% YoY	0.4% -39.2% YoY	35%
NIM	2.3% +7.1% YoY+1.7% QoQ	-1.1%	3.4% +6.2% YoY	3.2% +6.8% YoY	3.8% +4.1% YoY	Bottom 3.9% in tier
Efficiency Ratio	81.4% -3.8% YoY+8.1% QoQ	+6.8%	74.6% -3.0% YoY	73.4% -3.4% YoY	84.6% +2.8% YoY	77%
Delinquency Rate	0.2% -39.0% YoY-28.6% QoQ	-0.5	0.8% +6.9% YoY	1.1% +17.2% YoY	1.2% +3.4% YoY	Top 9.5% in tier
Loan To Share	56.4% -7.9% YoY-4.0% QoQ	-26.8%	83.2% -0.4% YoY	53.2% -3.6% YoY	65.6% -1.4% YoY	Bottom 5.6% in tier
AMR	$29,228 +3.8% YoY+1.7% QoQ	$-424	$29,652 +2.3% YoY	$23,509 +4.4% YoY	$19,920 +1.6% YoY	56%
CD Concentration	30.8% +17.4% YoY+15.8% QoQ	+1.9%	28.8%	24.4%	19.8%	60%
Indirect Auto %	4.1% -28.0% YoY-8.0% QoQ	-13.9%	18.1%	4.9%	7.7%	24%

Signature Analysis

Strengths (2)

Organic Growth Leader

growth

#111 of 116 • Top 66.1% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.82%

(Tier: 3.50%, National: 10.19%)

but worse than tier avg

Indirect Auto %: 4.13%

(Tier: 18.07%, National: 7.73%)

better than tier avg

116 of 384 Mid-Market CUs have this signature | 518 nationally

→ No prior data (116 CUs now) | New qualifier

Organic Growth Engine

growth

#111 of 115 • Top 66.1% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.82%

(Tier: 3.50%, National: 10.19%)

but worse than tier avg

Return on Assets: 0.53%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 4.13%

(Tier: 18.07%, National: 7.73%)

better than tier avg

115 of 384 Mid-Market CUs have this signature | 499 nationally

→ No prior data (115 CUs now) | New qualifier

Concerns (1)

Efficiency Drag

risk

#66 of 100 • Bottom 21.7% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 81.44%

(Tier: 73.98%, National: 84.64%)

worse than tier avg

ROA Change (YoY): 0.25% points

(Tier: 0.14% points, National: -0.45% points)

but better than tier avg

Member Growth (YoY): 0.82%

(Tier: 3.50%, National: 10.19%)

worse than tier avg

100 of 384 Mid-Market CUs have this signature | 702 nationally

↓ Shrinking -38 CUs YoY | Rank worsening

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 306 peers in tier

Top Strengths (4 metrics)

Net Charge-Off Rate

risk

Value: 0.10%

Peer Median: 0.51%

#22 of 306 Top 6.9% in 1B-3B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.22%

Peer Median: 0.63%

#30 of 306 Top 9.5% in 1B-3B tier

Asset Growth Rate

growth

Value: 9.34%

Peer Median: 4.82%

#55 of 306 Top 17.6% in 1B-3B tier

Deposit Growth Rate

growth

Value: 7.91%

Peer Median: 4.44%

#72 of 306 Top 23.2% in 1B-3B tier

Top Weaknesses (7 metrics)

294

Net Interest Margin (NIM)

profitability

Value: 2.29%

Peer Median: 3.37%

#294 of 306 Bottom 4.2% in 1B-3B tier

289

Loan-to-Share Ratio

balance_sheet

Value: 56.35%

Peer Median: 85.31%

#289 of 306 Bottom 5.9% in 1B-3B tier

270

Total Loans

balance_sheet

Value: $746.25M

Peer Median: $1.11B

#270 of 306 Bottom 12.1% in 1B-3B tier

259

Loan Growth Rate

growth

Value: -0.62%

Peer Median: 5.67%

#259 of 306 Bottom 15.7% in 1B-3B tier

241

Loan-to-Member Ratio (LMR)

engagement

Value: $10,534

Peer Median: $12,733

#241 of 306 Bottom 21.6% in 1B-3B tier

238

Net Worth Ratio

risk

Value: 9.55%

Peer Median: 10.85%

#238 of 306 Bottom 22.5% in 1B-3B tier

237

Efficiency Ratio

profitability

Value: 81.44%

Peer Median: 75.16%

#237 of 306 Bottom 22.9% in 1B-3B tier