BlastPoint's Credit Union Scorecard

HAWAII LAW ENFORCEMENT

Charter #1870 · HI

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

HAWAII LAW ENFORCEMENT has 2 strengths but faces 11 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

+ Wallet Share Momentum: Top 50.4% in tier
+ Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 12.5% in tier
- Efficiency Drag: Bottom 15.4% in tier
- Membership Headwinds: Bottom 16.0% in tier
- Institutional Decline: Bottom 18.9% in tier
- Stagnation Risk: Bottom 19.6% in tier
- ROA 0.28% below tier average
- Efficiency ratio 5.72% above tier (higher cost structure)
- Member decline: -2.6% YoY
- First Mortgage Concentration (%): Bottom 4.7% in tier
- Fee Income Per Member: Bottom 9.1% in tier
- Net Interest Margin (NIM): Bottom 9.7% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (HI)	National Avg	Tier Percentile
Members	14,254 -2.6% YoY-0.3% QoQ	-1.4K	15,628 -3.4% YoY	19,538 +4.7% YoY	33,089 +6.1% YoY	54%
Assets	$227.9M +9.2% YoY+3.6% QoQ	$-3.4M	$231.3M -0.0% YoY	$371.1M +11.7% YoY	$547.7M +7.8% YoY	58%
Loans	$112.7M -3.1% YoY-0.9% QoQ	$-35.1M	$147.8M -1.4% YoY	$190.1M +8.2% YoY	$388.7M +8.6% YoY	43%
Deposits	$199.6M +9.5% YoY+3.4% QoQ	$-730K	$200.3M -0.0% YoY	$328.7M +11.9% YoY	$464.6M +9.3% YoY	59%

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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% +11.9% YoY-6.2% QoQ	-0.3%	0.8% +15.5% YoY	0.8% +109.8% YoY	0.7% +273.4% YoY	33%
NIM	2.7% -6.8% YoY-1.1% QoQ	-0.9%	3.6% +6.9% YoY	3.1% +10.9% YoY	3.7% +5.0% YoY	Bottom 9.7% in tier
Efficiency Ratio	83.0% -4.0% YoY+0.9% QoQ	+5.7%	77.3% -3.0% YoY	73.4% -6.7% YoY	79.1% -3.3% YoY	71%
Delinquency Rate	0.7% +51.1% YoY-20.1% QoQ	-0.1	0.9% +7.6% YoY	1.2% -0.3% YoY	1.2% -0.9% YoY	54%
Loan To Share	56.5% -11.5% YoY-4.1% QoQ	-16.2%	72.7% -1.5% YoY	55.2% -1.0% YoY	68.0% -1.7% YoY	17%
AMR	$21,906 +7.4% YoY+2.2% QoQ	$-2K	$24,363 +2.9% YoY	$22,988 +5.6% YoY	$19,418 +1.3% YoY	46%
CD Concentration	23.1% +38.2% YoY+9.4% QoQ	-1.3%	24.4% +4.2% YoY	23.5% +10.2% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0%	-14.0%	14.0% -5.7% YoY	5.1% -6.8% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#243 of 481 • Top 50.4% in tier

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

Why This Signature

AMR Growth (YoY): 7.42%

(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 (5)

Credit Quality Pressure

risk

#310 of 736 • Bottom 12.5% in tier

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

Why This Signature

Delinquency Change (YoY): 0.25% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | Rank worsening

Efficiency Drag

risk

#272 of 521 • Bottom 15.4% in tier

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

Why This Signature

Efficiency Ratio: 83.00%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.05% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): -2.64%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank worsening

Membership Headwinds

decline

#264 of 550 • Bottom 16.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -2.64%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Institutional Decline

decline

#150 of 256 • Bottom 18.9% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature

Total Assets: $227.89M

(Tier: $331.87M, National: $547.69M)

worse than tier avg

Member Growth (YoY): -2.64%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -3.08%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

256 of 1077 Community CUs have this signature | 293 nationally

↓ Shrinking -43 CUs YoY | New qualifier

Stagnation Risk

risk

#324 of 550 • Bottom 19.6% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -2.64%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): -3.08%

(Tier: 3.65%, National: 36.38%)

worse than tier avg

Delinquency Rate: 0.73%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | 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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

142

Deposit Growth Rate

growth

Value: 9.47%

Peer Avg: -

#142 of 1077 Top 13.1% in 100M-500M tier

148

Members Per Employee (MPE)

engagement

Value: 431.939

Peer Avg: -

#148 of 1077 Top 13.6% in 100M-500M tier

160

Asset Growth Rate

growth

Value: 9.17%

Peer Avg: -

#160 of 1077 Top 14.8% in 100M-500M tier

188

AMR Growth Rate

growth

Value: 7.42%

Peer Avg: -

#188 of 1077 Top 17.4% in 100M-500M tier

219

Net Charge-Off Rate

risk

Value: 0.14%

Peer Avg: -

#219 of 1077 Top 20.2% in 100M-500M tier

Top Weaknesses (6 metrics)

1027

First Mortgage Concentration (%)

balance_sheet

Value: 62.68%

Peer Avg: -

#1027 of 1077 Bottom 4.7% in 100M-500M tier

980

Fee Income Per Member

profitability

Value: $85.01

Peer Avg: -

#980 of 1077 Bottom 9.1% in 100M-500M tier

973

Net Interest Margin (NIM)

profitability

Value: 2.71%

Peer Avg: -

#973 of 1077 Bottom 9.7% in 100M-500M tier

896

Loan-to-Share Ratio

balance_sheet

Value: 56.47%

Peer Avg: -

#896 of 1077 Bottom 16.9% in 100M-500M tier

864

Loan Growth Rate

growth

Value: -3.08%

Peer Avg: -

#864 of 1077 Bottom 19.9% in 100M-500M tier

854

Member Growth Rate

growth

Value: -2.64%

Peer Avg: -

#854 of 1077 Bottom 20.8% in 100M-500M tier