HAWAII LAW ENFORCEMENT
Charter #1870 | HI
100M-500M
(1077 CUs)
Micro
($0-$500M)
14 100M-500M in HI
HAWAII LAW ENFORCEMENT has 4 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 8.8% in tier
- + Relationship Depth Leader: Top 16.2% in tier
- + Emerging Performer: Top 28.7% 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
- - Liquidity Overhang: Bottom 15.1% 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
|
54th in tier |
| 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
|
58th in tier |
| 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
|
43rd in tier |
| 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
|
59th in tier |
| 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
|
33rd in tier |
| 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
|
71st in tier |
| 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
|
54th in tier |
| 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
|
Bottom 16.8% in tier |
| 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
|
46th in tier |
| 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
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
5.1%
-6.8% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (3)
Wallet Share Momentum
growth
#243 of 1006 • Top 8.8% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
7.42%
(Tier:
3.68%, National:
4.19%)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
New qualifier
Relationship Depth Leader
growth
#447 of 1006 • Top 16.2% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
7.42%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$2.2K
(Tier: $2.8K, National: $2.0K)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
New qualifier
Emerging Performer
growth
#538 of 627 • Top 28.7% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
0.51%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-2.64%
(Tier:
0.88%, National:
9.37%)
627 of 1077 Community CUs have this signature
| 852 nationally
↑ Growing
+13 CUs YoY
|
Rank worsening
Concerns (6)
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)
736 of 1077 Community CUs have this signature
| 1002 nationally
↓ Shrinking
-199 CUs YoY
|
Rank worsening
Liquidity Overhang
risk
#234 of 552 • Bottom 15.1% in tier
Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.
Why This Signature
Net Worth Ratio:
12.93%
(Tier:
11.95%, National:
14.51%)
Loan-to-Share Ratio:
56.47%
(Tier:
74.56%, National:
67.96%)
552 of 1077 Community CUs have this signature
| 691 nationally
↑ Growing
+65 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%)
ROA Change (YoY):
0.05% points
(Tier:
0.11% points, National:
0.05% points)
Member Growth (YoY):
-2.64%
(Tier:
0.88%, National:
9.37%)
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%)
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: $231.30M, National: $547.69M)
Member Growth (YoY):
-2.64%
(Tier:
0.88%, National:
9.37%)
Loan Growth (YoY):
-3.08%
(Tier:
3.64%, National:
36.38%)
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 is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.
Why This Signature
Return on Assets:
0.51%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
-2.64%
(Tier:
0.88%, National:
9.37%)
Avg Member Relationship:
$21.9K
(Tier: $25.0K, National: $19.4K)
CD Concentration:
23.07%
(Tier:
24.41%, National:
19.60%)
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 13.34%
#1 of 1077
Top 0.0% in 100M-500M tier
142
Deposit Growth Rate
growth
Value:
9.47%
Peer Avg: 4.69%
#142 of 1077
Top 13.1% in 100M-500M tier
148
Members Per Employee (MPE)
engagement
Value:
431.939
Peer Avg: 332.881
#148 of 1077
Top 13.6% in 100M-500M tier
160
Asset Growth Rate
growth
Value:
9.17%
Peer Avg: 4.70%
#160 of 1077
Top 14.8% in 100M-500M tier
188
AMR Growth Rate
growth
Value:
7.42%
Peer Avg: 3.64%
#188 of 1077
Top 17.4% in 100M-500M tier
219
Net Charge-Off Rate
risk
Value:
0.14%
Peer Avg: 0.47%
#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: 30.43%
#1027 of 1077
Bottom 4.7% in 100M-500M tier
980
Fee Income Per Member
profitability
Value:
$85.01
Peer Avg: $174.31
#980 of 1077
Bottom 9.1% in 100M-500M tier
973
Net Interest Margin (NIM)
profitability
Value:
2.71%
Peer Avg: 3.58%
#973 of 1077
Bottom 9.7% in 100M-500M tier
896
Loan-to-Share Ratio
balance_sheet
Value:
56.47%
Peer Avg: 72.70%
#896 of 1077
Bottom 16.9% in 100M-500M tier
864
Loan Growth Rate
growth
Value:
-3.08%
Peer Avg: 3.45%
#864 of 1077
Bottom 19.9% in 100M-500M tier
854
Member Growth Rate
growth
Value:
-2.64%
Peer Avg: 0.72%
#854 of 1077
Bottom 20.8% in 100M-500M tier