BlastPoint's Credit Union Scorecard

MAUI COUNTY

Charter #1866 · HI

1077 CUs in 100M-500M nationally 14 in HI

MAUI COUNTY has 6 strengths but faces 6 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

+ Organic Growth Leader: Top 27.8% in tier
+ Organic Growth Engine: Top 31.2% in tier
+ Relationship Depth Leader: Top 39.5% in tier
+ Wallet Share Momentum: Top 76.0% in tier
+ Total Assets: Top 2.4% in tier
+ Total Deposits: Top 3.2% in tier

Key Concerns

Areas that may need attention

- ROA 0.32% below tier average
- Efficiency ratio 2.40% above tier (higher cost structure)
- Delinquency rate 1.18% above tier average
- Total Delinquency Rate (60+ days): Bottom 6.3% in tier
- Net Interest Margin (NIM): Bottom 6.9% in tier
- First Mortgage Concentration (%): Bottom 7.7% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (HI)	National Avg	Tier Percentile
Members	21,024 +1.0% YoY+0.3% QoQ	+5.4K	15,628 -3.4% YoY	19,538 +4.7% YoY	33,089 +6.1% YoY	78%
Assets	$473.8M +6.2% YoY+1.0% QoQ	+$242.5M	$231.3M -0.0% YoY	$371.1M +11.7% YoY	$547.7M +7.8% YoY	Top 2.5% in tier
Loans	$222.6M +8.9% YoY+1.9% QoQ	+$74.8M	$147.8M -1.4% YoY	$190.1M +8.2% YoY	$388.7M +8.6% YoY	80%
Deposits	$406.5M +6.2% YoY+1.0% QoQ	+$206.2M	$200.3M -0.0% YoY	$328.7M +11.9% YoY	$464.6M +9.3% YoY	Top 3.3% 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	0.5% -11.5% YoY+11.5% QoQ	-0.3%	0.8% +15.5% YoY	0.8% +109.8% YoY	0.7% +273.4% YoY	29%
NIM	2.5% -0.6% YoY+2.0% QoQ	-1.1%	3.6% +6.9% YoY	3.1% +10.9% YoY	3.7% +5.0% YoY	Bottom 6.8% in tier
Efficiency Ratio	79.7% -0.2% YoY-2.1% QoQ	+2.4%	77.3% -3.0% YoY	73.4% -6.7% YoY	79.1% -3.3% YoY	60%
Delinquency Rate	2.0% -1.7% YoY+38.4% QoQ	+1.2	0.9% +7.6% YoY	1.2% -0.3% YoY	1.2% -0.9% YoY	Top 6.3% in tier
Loan To Share	54.8% +2.6% YoY+0.9% QoQ	-17.9%	72.7% -1.5% YoY	55.2% -1.0% YoY	68.0% -1.7% YoY	Bottom 14.5% in tier
AMR	$29,924 +6.1% YoY+1.0% QoQ	+$6K	$24,363 +2.9% YoY	$22,988 +5.6% YoY	$19,418 +1.3% YoY	83%
CD Concentration	32.0% +14.9% YoY+1.1% QoQ	+7.6%	24.4% +4.2% YoY	23.5% +10.2% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	11.7% -5.2% YoY-3.6% QoQ	-2.3%	14.0% -5.7% YoY	5.1% -6.8% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (4)

Organic Growth Leader

growth

#367 of 430 • Top 27.8% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.01%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 11.72%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank worsening

Organic Growth Engine

growth

#572 of 603 • Top 31.2% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.01%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Return on Assets: 0.46%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 11.72%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | Rank worsening

Relationship Depth Leader

growth

#102 of 257 • Top 39.5% 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): 6.06%

(Tier: 3.68%, National: 4.19%)

better than tier avg

Share Draft per Member: $2.3K

(Tier: $2.8K, National: $2.0K)

but worse than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | Rank improving

Wallet Share Momentum

growth

#366 of 481 • Top 76.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.06%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Concerns (0)

No concerns identified

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 1077 peers in tier

Top Strengths (7 metrics)

Total Assets

balance_sheet

Value: $473.80M

Peer Avg: -

#27 of 1077 Top 2.4% in 100M-500M tier

Total Deposits

balance_sheet

Value: $406.53M

Peer Avg: -

#36 of 1077 Top 3.2% in 100M-500M tier

185

Average Member Relationship (AMR)

engagement

Value: $29,924

Peer Avg: -

#185 of 1077 Top 17.1% in 100M-500M tier

205

Loan Growth Rate

growth

Value: 8.94%

Peer Avg: -

#205 of 1077 Top 18.9% in 100M-500M tier

210

Total Loans

balance_sheet

Value: $222.60M

Peer Avg: -

#210 of 1077 Top 19.4% in 100M-500M tier

239

Total Members

engagement

Value: 21,024

Peer Avg: -

#239 of 1077 Top 22.1% in 100M-500M tier

242

Net Worth Ratio

risk

Value: 13.90%

Peer Avg: -

#242 of 1077 Top 22.4% in 100M-500M tier

Top Weaknesses (7 metrics)

1010

Total Delinquency Rate (60+ days)

risk

Value: 2.04%

Peer Avg: -

#1010 of 1077 Bottom 6.3% in 100M-500M tier

1004

Net Interest Margin (NIM)

profitability

Value: 2.53%

Peer Avg: -

#1004 of 1077 Bottom 6.9% in 100M-500M tier

995

First Mortgage Concentration (%)

balance_sheet

Value: 57.04%

Peer Avg: -

#995 of 1077 Bottom 7.7% in 100M-500M tier

921

Loan-to-Share Ratio

balance_sheet

Value: 54.76%

Peer Avg: -

#921 of 1077 Bottom 14.6% in 100M-500M tier

862

Net Charge-Off Rate

risk

Value: 0.70%

Peer Avg: -

#862 of 1077 Bottom 20.1% in 100M-500M tier

851

Fee Income Per Member

profitability

Value: $112.84

Peer Avg: -

#851 of 1077 Bottom 21.1% in 100M-500M tier

842

Share Certificate Concentration (%)

balance_sheet

Value: 32.04%

Peer Avg: -

#842 of 1077 Bottom 21.9% in 100M-500M tier