BlastPoint's Credit Union Scorecard

HAWAII LAW ENFORCEMENT

Charter #1870 · HI

100M-500M

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

HAWAII LAW ENFORCEMENT faces 8 concerns requiring attention

National Analysis

How does the industry compare?

HI Analysis

How does HI stack up?

Key Strengths

Areas where this CU excels compared to peers

No key strengths identified

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- Institutional Decline: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- ROA 0.32% below tier average
- Efficiency ratio 3.49% above tier (higher cost structure)
- First Mortgage Concentration (%): Bottom 5.0% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (HI)	National Avg	Tier Percentile
Members	14,139 -1.5% YoY-0.4% QoQ	-1.0K	15,145 -2.5% YoY	19,510 +0.1% YoY	33,913 +5.7% YoY	54%
Assets	$231.4M +5.9% YoY+0.6% QoQ	$-308K	$231.7M +0.8% YoY	$385.1M +5.4% YoY	$578.3M +9.0% YoY	59%
Loans	$111.4M -3.4% YoY+0.2% QoQ	$-32.8M	$144.1M +0.2% YoY	$193.9M +4.9% YoY	$402.4M +8.7% YoY	44%
Deposits	$202.7M +5.6% YoY+1.0% QoQ	+$1.6M	$201.1M +0.4% YoY	$341.1M +4.6% YoY	$494.3M +9.1% YoY	60%

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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	0.4% -12.6% YoY-23.2% QoQ	-0.3%	0.7% +5.1% YoY	0.8% -0.9% YoY	0.4% -39.2% YoY	30%
NIM	2.7% -1.5% YoY+1.4% QoQ	-0.9%	3.6% +4.6% YoY	3.2% +6.8% YoY	3.8% +4.1% YoY	Bottom 7.2% in tier
Efficiency Ratio	81.5% -6.6% YoY-2.0% QoQ	+3.5%	78.0% -1.7% YoY	73.4% -3.4% YoY	84.6% +2.8% YoY	61%
Delinquency Rate	0.5% +78.2% QoQ	-0.3	0.8% +7.1% YoY	1.1% +17.2% YoY	1.2% +3.4% YoY	40%
Loan To Share	54.9% -8.5% YoY-0.8% QoQ	-15.5%	70.4% -0.4% YoY	53.2% -3.6% YoY	65.6% -1.4% YoY	18%
AMR	$22,218 +3.8% YoY+1.1% QoQ	$-3K	$24,918 +2.7% YoY	$23,509 +4.4% YoY	$19,920 +1.6% YoY	46%
CD Concentration	23.1% +26.2% YoY-1.1% QoQ	-1.2%	24.3%	24.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	4.9%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (5)

Credit Quality Pressure

risk

#119 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): 0.48% 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 | New qualifier

Efficiency Drag

risk

#280 of 596 • Bottom 50.0% in tier

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

Why This Signature

Efficiency Ratio: 81.51%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.06% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -1.46%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | Rank worsening

Stagnation Risk

risk

#313 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.46%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -3.38%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.48%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Institutional Decline

decline

#177 of 250 • Bottom 50.0% in tier

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

Why This Signature

Total Assets: $231.40M

(Tier: $334.04M, National: $578.34M)

worse than tier avg

Member Growth (YoY): -1.46%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): -3.38%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

250 of 1070 Mid-Small & Community CUs have this signature | 289 nationally

→ No prior data (250 CUs now) | New qualifier

Membership Headwinds

decline

#434 of 570 • Bottom 50.0% in tier

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

Why This Signature

Member Growth (YoY): -1.46%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 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)

Compare against:

Comparing against 1070 peers in tier

Top Strengths (2 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

130

Members Per Employee (MPE)

engagement

Value: 441.844

Peer Median: 309.176

#130 of 1070 Top 12.1% in 100M-500M tier

Top Weaknesses (5 metrics)

1018

First Mortgage Concentration (%)

balance_sheet

Value: 62.64%

Peer Median: 29.47%

#1018 of 1070 Bottom 5.0% in 100M-500M tier

998

Fee Income Per Member

profitability

Value: $69.02

Peer Median: $154.95

#998 of 1070 Bottom 6.8% in 100M-500M tier

993

Net Interest Margin (NIM)

profitability

Value: 2.71%

Peer Median: 3.62%

#993 of 1070 Bottom 7.3% in 100M-500M tier

903

Loan Growth Rate

growth

Value: -3.38%

Peer Median: 2.93%

#903 of 1070 Bottom 15.7% in 100M-500M tier

878

Loan-to-Share Ratio

balance_sheet

Value: 54.94%

Peer Median: 71.88%

#878 of 1070 Bottom 18.0% in 100M-500M tier