BlastPoint's Credit Union Scorecard

HAWAIIAN ELECTRIC EMPLOYEES

Charter #1869 · HI

2556 CUs in <100M nationally 21 in HI

HAWAIIAN ELECTRIC EMPLOYEES demonstrates 3 strengths

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.28% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier
  • + Average Member Relationship (AMR): Top 9.3% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (HI) National Avg Tier Percentile
Members 1,842
-1.3% YoY+0.3% QoQ
-773 2,615
-1.9% YoY
19,461
+2.6% YoY
33,374
+5.7% YoY
48%
Assets $35.2M
+4.1% YoY+0.6% QoQ
+$5.1M $30.1M
+2.1% YoY
$378.0M
+8.3% YoY
$561.6M
+9.7% YoY
65%
Loans $16.6M
-1.0% YoY+0.2% QoQ
+$822K $15.8M
-1.3% YoY
$192.6M
+6.6% YoY
$397.0M
+8.8% YoY
64%
Deposits $28.3M
+3.4% YoY+0.5% QoQ
+$2.6M $25.7M
+1.4% YoY
$334.4M
+8.0% YoY
$477.3M
+9.7% YoY
63%

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
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ROA 0.9%
+50.3% YoY-5.4% QoQ
+0.3% 0.6%
+10.8% YoY
0.8%
+46.9% YoY
0.7%
+15.9% YoY
61%
NIM 3.2%
+1.7% YoY+0.8% QoQ
-0.8% 4.0%
+4.0% YoY
3.1%
+6.7% YoY
3.8%
+5.1% YoY
24%
Efficiency Ratio 78.5%
-0.7% YoY-0.3% QoQ
-4.1% 82.6%
-2.3% YoY
73.8%
-6.9% YoY
79.7%
-3.3% YoY
48%
Delinquency Rate 1.2%
+125.7% YoY+122.4% QoQ
-0.4 1.6%
-3.1% YoY
1.2%
-2.0% YoY
1.3%
-2.1% YoY
65%
Loan To Share 58.6%
-4.2% YoY-0.3% QoQ
-2.0% 60.6%
-3.1% YoY
54.4%
-2.4% YoY
67.4%
-1.7% YoY
47%
AMR $24,363
+3.0% YoY+0.1% QoQ
+$10K $14,783
-1.4% YoY
$23,250
+4.8% YoY
$19,687
+2.0% YoY
Top 9.4% in tier
CD Concentration 19.7%
+26.3% YoY+21.9% QoQ
-4.7% 24.4% 24.1% 19.8% 50%
Indirect Auto % 0.0% -13.8% 13.8% 5.0% 7.8% 50%

Signature Analysis

Strengths (0)

No strengths identified

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)

Comparing against 2556 peers in tier

Top Strengths (4 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: -
#1 of 2556 Top 0.0% in <100M tier
239
Average Member Relationship (AMR)
engagement
Value: $24,363
Peer Median: -
#239 of 2556 Top 9.3% in <100M tier
315
Loan-to-Member Ratio (LMR)
engagement
Value: $9,003
Peer Median: -
#315 of 2556 Top 12.3% in <100M tier
555
Net Charge-Off Rate
risk
Value: 0.01%
Peer Median: -
#555 of 2556 Top 21.7% in <100M tier

Top Weaknesses (1 metrics)

1946
Net Interest Margin (NIM)
profitability
Value: 3.18%
Peer Median: -
#1946 of 2556 Bottom 23.9% in <100M tier
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