BlastPoint's Credit Union Scorecard

HAWAII LAW ENFORCEMENT

Charter #1870 · HI

1069 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 77.5% in tier
+ Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 35.4% in tier
- Credit Quality Pressure: Bottom 46.3% in tier
- Stagnation Risk: Bottom 48.3% in tier
- Membership Headwinds: Bottom 49.9% in tier
- Institutional Decline: Bottom 50.2% in tier
- ROA 0.24% below tier average
- Efficiency ratio 6.18% above tier (higher cost structure)
- Member decline: -2.8% YoY
- First Mortgage Concentration (%): Bottom 4.9% in tier
- Fee Income Per Member: Bottom 7.9% in tier
- Net Interest Margin (NIM): Bottom 8.5% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (HI)	National Avg	Tier Percentile
Members	14,196 -2.8% YoY-0.4% QoQ	-1.2K	15,437 -2.9% YoY	19,461 +2.6% YoY	33,374 +5.7% YoY	54%
Assets	$230.0M +9.0% YoY+0.9% QoQ	$-1.9M	$231.9M +1.3% YoY	$378.0M +8.3% YoY	$561.6M +9.7% YoY	58%
Loans	$111.2M -4.4% YoY-1.3% QoQ	$-36.1M	$147.3M -0.1% YoY	$192.6M +6.6% YoY	$397.0M +8.8% YoY	43%
Deposits	$200.7M +8.2% YoY+0.6% QoQ	$-104K	$200.8M +0.8% YoY	$334.4M +8.0% YoY	$477.3M +9.7% 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% +2.9% YoY+4.1% QoQ	-0.2%	0.8% +18.2% YoY	0.8% +46.9% YoY	0.7% +15.9% YoY	34%
NIM	2.7% -6.9% YoY-1.5% QoQ	-0.9%	3.6% +6.7% YoY	3.1% +6.7% YoY	3.8% +5.1% YoY	Bottom 8.4% in tier
Efficiency Ratio	83.2% -4.1% YoY+0.2% QoQ	+6.2%	77.0% -3.1% YoY	73.8% -6.9% YoY	79.7% -3.3% YoY	72%
Delinquency Rate	0.3% +517.4% YoY-62.6% QoQ	-0.6	0.9% +4.2% YoY	1.2% -2.0% YoY	1.3% -2.1% YoY	Bottom 13.9% in tier
Loan To Share	55.4% -11.6% YoY-1.9% QoQ	-16.8%	72.2% -1.1% YoY	54.4% -2.4% YoY	67.4% -1.7% YoY	16%
AMR	$21,971 +6.3% YoY+0.3% QoQ	$-3K	$24,676 +3.4% YoY	$23,250 +4.8% YoY	$19,687 +2.0% YoY	46%
CD Concentration	23.3% +43.7% YoY+1.2% QoQ	-1.1%	24.4%	24.1%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	5.0%	7.8%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#398 of 513 • Top 77.5% in tier

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

Why This Signature

AMR Growth (YoY): 6.27%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (5)

Efficiency Drag

risk

#191 of 538 • Bottom 35.4% in tier

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

Why This Signature

Efficiency Ratio: 83.19%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.01% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): -2.77%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 CUs YoY | Rank worsening

Credit Quality Pressure

risk

#327 of 705 • Bottom 46.3% in tier

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

Why This Signature

Delinquency Change (YoY): 0.23% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Stagnation Risk

risk

#268 of 554 • Bottom 48.3% 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): -2.77%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -4.38%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

Delinquency Rate: 0.27%

(Tier: 0.89%, National: 1.28%)

but better than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Membership Headwinds

decline

#277 of 554 • Bottom 49.9% in tier

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

Why This Signature

Member Growth (YoY): -2.77%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

554 of 1069 Mid-Small & Community CUs have this signature | 652 nationally

→ No prior data (554 CUs now) | New qualifier

Institutional Decline

decline

#121 of 240 • Bottom 50.2% in tier

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

Why This Signature

Total Assets: $229.98M

(Tier: $334.15M, National: $561.61M)

worse than tier avg

Member Growth (YoY): -2.77%

(Tier: 0.69%, National: 4.32%)

worse than tier avg

Loan Growth (YoY): -4.38%

(Tier: 4.11%, National: 111.96%)

worse than tier avg

240 of 1069 Mid-Small & Community CUs have this signature | 277 nationally

→ No prior data (240 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 1069 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: -

#1 of 1069 Top 0.0% in 100M-500M tier

134

Members Per Employee (MPE)

engagement

Value: 443.625

Peer Median: -

#134 of 1069 Top 12.4% in 100M-500M tier

150

Total Delinquency Rate (60+ days)

risk

Value: 0.27%

Peer Median: -

#150 of 1069 Top 13.9% in 100M-500M tier

186

Asset Growth Rate

growth

Value: 9.04%

Peer Median: -

#186 of 1069 Top 17.3% in 100M-500M tier

212

Net Charge-Off Rate

risk

Value: 0.14%

Peer Median: -

#212 of 1069 Top 19.7% in 100M-500M tier

213

Deposit Growth Rate

growth

Value: 8.16%

Peer Median: -

#213 of 1069 Top 19.8% in 100M-500M tier

Top Weaknesses (6 metrics)

1018

First Mortgage Concentration (%)

balance_sheet

Value: 62.50%

Peer Median: -

#1018 of 1069 Bottom 4.9% in 100M-500M tier

986

Fee Income Per Member

profitability

Value: $84.18

Peer Median: -

#986 of 1069 Bottom 7.9% in 100M-500M tier

979

Net Interest Margin (NIM)

profitability

Value: 2.67%

Peer Median: -

#979 of 1069 Bottom 8.5% in 100M-500M tier

927

Loan Growth Rate

growth

Value: -4.38%

Peer Median: -

#927 of 1069 Bottom 13.4% in 100M-500M tier

895

Loan-to-Share Ratio

balance_sheet

Value: 55.40%

Peer Median: -

#895 of 1069 Bottom 16.4% in 100M-500M tier

843

Member Growth Rate

growth

Value: -2.77%

Peer Median: -

#843 of 1069 Bottom 21.2% in 100M-500M tier