BlastPoint's Credit Union Scorecard

MAUI COUNTY

Charter #1866 · HI

100M-500M
1070 CUs in 100M-500M nationally 15 in HI

MAUI COUNTY has 3 strengths but faces 7 concerns

National Analysis

How does the industry compare?
HI Analysis

How does HI stack up?

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 50.0% in tier
  • + Total Assets: Top 2.1% in tier
  • + Total Deposits: Top 2.5% in tier

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 50.0% in tier
  • - Credit Risk Growth: Bottom 50.0% in tier
  • - ROA 0.07% below tier average
  • - Delinquency rate 1.20% above tier average
  • - Total Delinquency Rate (60+ days): Bottom 5.4% in tier
  • - First Mortgage Concentration (%): Bottom 7.3% in tier
  • - Net Interest Margin (NIM): Bottom 7.7% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (HI) National Avg Tier Percentile
Members 20,767
-0.3% YoY+0.3% QoQ
 +5.6K 15,145
-2.5% YoY
 19,510
+0.1% YoY
 33,913
+5.7% YoY
 79%
Assets $479.5M
+2.5% YoY+0.8% QoQ
 +$247.7M $231.7M
+0.8% YoY
 $385.1M
+5.4% YoY
 $578.3M
+9.0% YoY
 Top 2.1% in tier
Loans $224.3M
+6.3% YoY-0.6% QoQ
 +$80.1M $144.1M
+0.2% YoY
 $193.9M
+4.9% YoY
 $402.4M
+8.7% YoY
 83%
Deposits $410.0M
+2.1% YoY+0.8% QoQ
 +$208.9M $201.1M
+0.4% YoY
 $341.1M
+4.6% YoY
 $494.3M
+9.1% YoY
 Top 2.6% in tier

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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 0.7%
+41.2% YoY+48.1% QoQ
 -0.1% 0.7%
+5.1% YoY
 0.8%
-0.9% YoY
 0.4%
-39.2% YoY
 48%
NIM 2.7%
+10.4% YoY+7.3% QoQ
 -0.9% 3.6%
+4.6% YoY
 3.2%
+6.8% YoY
 3.8%
+4.1% YoY
 Bottom 7.6% in tier
Efficiency Ratio 73.1%
-8.4% YoY-9.1% QoQ
 -4.9% 78.0%
-1.7% YoY
 73.4%
-3.4% YoY
 84.6%
+2.8% YoY
 31%
Delinquency Rate 2.0%
+31.3% YoY-6.0% QoQ
 +1.2 0.8%
+7.1% YoY
 1.1%
+17.2% YoY
 1.2%
+3.4% YoY
 Bottom 5.4% in tier
Loan To Share 54.7%
+4.1% YoY-1.4% QoQ
 -15.7% 70.4%
-0.4% YoY
 53.2%
-3.6% YoY
 65.6%
-1.4% YoY
 18%
AMR $30,544
+3.9% YoY+0.0% QoQ
 +$6K $24,918
+2.7% YoY
 $23,509
+4.4% YoY
 $19,920
+1.6% YoY
 82%
CD Concentration 32.7%
+5.9% YoY-1.2% QoQ
 +8.4% 24.3% 24.4% 19.8% 50%
Indirect Auto % 11.2%
-3.6% YoY-4.9% QoQ
 -2.6% 13.8% 4.9% 7.7% 50%

Signature Analysis

Strengths (1)

Relationship Depth Leader

growth
#166 of 257 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature
AMR Growth (YoY): 3.87%
(Tier: 3.74%, National: 6.36%)
better than tier avg
Share Draft per Member: $2.4K
(Tier: $3.0K, National: $2.1K)
but worse than tier avg
257 of 1070 Mid-Small & Community CUs have this signature | 342 nationally
↑ Growing +27 CUs YoY | Rank worsening

Concerns (2)

Credit Quality Pressure

risk
#127 of 727 • Bottom 50.0% in tier

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

Why This Signature
Delinquency Change (YoY): 0.47% points
(Tier: 0.03% points, National: 0.12% points)
worse than tier avg
727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally
↓ Shrinking -60 CUs YoY | Rank improving

Credit Risk Growth

risk
#91 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature
Loan Growth (YoY): 6.33%
(Tier: 4.14%, National: 1.74%)
but better than tier avg
Delinquency Change (YoY): 0.47% points
(Tier: 0.03% points, National: 0.12% points)
worse than tier avg
476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally
→ No prior data (476 CUs now) | New qualifier

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 1070 peers in tier

Top Strengths (6 metrics)

23
Total Assets
balance_sheet
Value: $479.46M
Peer Median: $196.57M
#23 of 1070 Top 2.1% in 100M-500M tier
28
Total Deposits
balance_sheet
Value: $410.04M
Peer Median: $171.29M
#28 of 1070 Top 2.5% in 100M-500M tier
185
Total Loans
balance_sheet
Value: $224.28M
Peer Median: $121.41M
#185 of 1070 Top 17.2% in 100M-500M tier
188
Average Member Relationship (AMR)
engagement
Value: $30,544
Peer Median: $22,931
#188 of 1070 Top 17.5% in 100M-500M tier
220
Net Worth Ratio
risk
Value: 14.00%
Peer Median: 11.45%
#220 of 1070 Top 20.5% in 100M-500M tier
223
Total Members
engagement
Value: 20,767
Peer Median: 13,200
#223 of 1070 Top 20.7% in 100M-500M tier

Top Weaknesses (5 metrics)

1013
Total Delinquency Rate (60+ days)
risk
Value: 1.97%
Peer Median: 0.61%
#1013 of 1070 Bottom 5.4% in 100M-500M tier
993
First Mortgage Concentration (%)
balance_sheet
Value: 57.41%
Peer Median: 29.47%
#993 of 1070 Bottom 7.3% in 100M-500M tier
989
Net Interest Margin (NIM)
profitability
Value: 2.73%
Peer Median: 3.62%
#989 of 1070 Bottom 7.7% in 100M-500M tier
882
Loan-to-Share Ratio
balance_sheet
Value: 54.70%
Peer Median: 71.88%
#882 of 1070 Bottom 17.7% in 100M-500M tier
848
Share Certificate Concentration (%)
balance_sheet
Value: 32.67%
Peer Median: 23.10%
#848 of 1070 Bottom 20.8% in 100M-500M tier
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