BlastPoint's Credit Union Scorecard
MAUI COUNTY
Charter #1866 · HI
MAUI COUNTY has 4 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 24.0% in tier
- + Wallet Share Momentum: Top 48.8% in tier
- + Total Assets: Top 2.5% in tier
- + Total Deposits: Top 3.2% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 40.6% in tier
- - ROA 0.32% below tier average
- - Efficiency ratio 3.38% above tier (higher cost structure)
- - Delinquency rate 1.21% above tier average
- - Total Delinquency Rate (60+ days): Bottom 6.5% in tier
- - Net Interest Margin (NIM): Bottom 6.6% in tier
- - First Mortgage Concentration (%): Bottom 7.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
20,705
-0.1% YoY-1.5% QoQ
|
+5.3K |
15,437
-2.9% YoY
|
19,461
+2.6% YoY
|
33,374
+5.7% YoY
|
78% |
| Assets |
$475.5M
+6.0% YoY+0.4% QoQ
|
+$243.7M |
$231.9M
+1.3% YoY
|
$378.0M
+8.3% YoY
|
$561.6M
+9.7% YoY
|
Top 2.6% in tier |
| Loans |
$225.6M
+10.6% YoY+1.4% QoQ
|
+$78.3M |
$147.3M
-0.1% YoY
|
$192.6M
+6.6% YoY
|
$397.0M
+8.8% YoY
|
82% |
| Deposits |
$406.8M
+6.1% YoY+0.1% QoQ
|
+$206.0M |
$200.8M
+0.8% YoY
|
$334.4M
+8.0% YoY
|
$477.3M
+9.7% YoY
|
Top 3.3% in tier |
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| ROA |
0.4%
-13.9% YoY-4.0% QoQ
|
-0.3% |
0.8%
+18.2% YoY
|
0.8%
+46.9% YoY
|
0.7%
+15.9% YoY
|
27% |
| NIM |
2.5%
+1.5% YoY+0.5% QoQ
|
-1.1% |
3.6%
+6.7% YoY
|
3.1%
+6.7% YoY
|
3.8%
+5.1% YoY
|
Bottom 6.5% in tier |
| Efficiency Ratio |
80.4%
+0.9% YoY+0.9% QoQ
|
+3.4% |
77.0%
-3.1% YoY
|
73.8%
-6.9% YoY
|
79.7%
-3.3% YoY
|
61% |
| Delinquency Rate |
2.1%
-2.5% YoY+3.2% QoQ
|
+1.2 |
0.9%
+4.2% YoY
|
1.2%
-2.0% YoY
|
1.3%
-2.1% YoY
|
Top 6.5% in tier |
| Loan To Share |
55.5%
+4.2% YoY+1.3% QoQ
|
-16.8% |
72.2%
-1.1% YoY
|
54.4%
-2.4% YoY
|
67.4%
-1.7% YoY
|
17% |
| AMR |
$30,544
+7.8% YoY+2.1% QoQ
|
+$6K |
$24,676
+3.4% YoY
|
$23,250
+4.8% YoY
|
$19,687
+2.0% YoY
|
83% |
| CD Concentration |
33.1%
+14.3% YoY+3.3% QoQ
|
+8.7% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % |
11.8%
-0.8% YoY+0.5% QoQ
|
-2.0% | 13.8% | 5.0% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)