BlastPoint's Credit Union Scorecard

HONOLULU FIRE DEPARTMENT

Charter #1880 · HI

2556 CUs in <100M nationally 21 in HI

HONOLULU FIRE DEPARTMENT has 5 strengths but faces 2 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Total Loans: Top 3.2% in tier
  • + Total Deposits: Top 4.2% in tier
  • + Total Assets: Top 4.6% in tier
  • + Members Per Employee (MPE): Top 5.0% in tier
  • + Total Members: Top 8.2% in tier

Key Concerns

Areas that may need attention

  • - ROA 0.04% below tier average
  • - Indirect Auto Concentration (%): Bottom 3.6% in tier

Core Metrics

As of 2025-Q4

Metric Current vs Tier Tier Avg State Avg (HI) National Avg Tier Percentile
Members 6,214
+2.1% YoY+0.0% QoQ
+3.6K 2,615
-1.9% YoY
19,461
+2.6% YoY
33,374
+5.7% YoY
Top 8.2% in tier
Assets $87.9M
-0.6% YoY-0.8% QoQ
+$57.8M $30.1M
+2.1% YoY
$378.0M
+8.3% YoY
$561.6M
+9.7% YoY
Top 4.6% in tier
Loans $56.0M
-3.6% YoY-0.4% QoQ
+$40.3M $15.8M
-1.3% YoY
$192.6M
+6.6% YoY
$397.0M
+8.8% YoY
Top 3.2% in tier
Deposits $77.0M
-1.6% YoY-1.2% QoQ
+$51.4M $25.7M
+1.4% YoY
$334.4M
+8.0% YoY
$477.3M
+9.7% YoY
Top 4.3% in tier

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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 0.6%
+119.0% YoY+6.6% QoQ
-0.0% 0.6%
+10.8% YoY
0.8%
+46.9% YoY
0.7%
+15.9% YoY
44%
NIM 3.6%
+26.3% YoY+2.7% QoQ
-0.4% 4.0%
+4.0% YoY
3.1%
+6.7% YoY
3.8%
+5.1% YoY
36%
Efficiency Ratio 75.1%
-16.2% YoY+0.4% QoQ
-7.5% 82.6%
-2.3% YoY
73.8%
-6.9% YoY
79.7%
-3.3% YoY
38%
Delinquency Rate 0.8%
+29.0% YoY+26.7% QoQ
-0.8 1.6%
-3.1% YoY
1.2%
-2.0% YoY
1.3%
-2.1% YoY
52%
Loan To Share 72.7%
-2.1% YoY+0.7% QoQ
+12.1% 60.6%
-3.1% YoY
54.4%
-2.4% YoY
67.4%
-1.7% YoY
68%
AMR $21,415
-4.4% YoY-0.9% QoQ
+$7K $14,783
-1.4% YoY
$23,250
+4.8% YoY
$19,687
+2.0% YoY
83%
CD Concentration 11.1%
-28.8% YoY-5.8% QoQ
-13.3% 24.4% 24.1% 19.8% 50%
Indirect Auto % 33.0%
-1.8% YoY-2.3% QoQ
+19.2% 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 (8 metrics)

82
Total Loans
balance_sheet
Value: $56.03M
Peer Median: -
#82 of 2556 Top 3.2% in <100M tier
109
Total Deposits
balance_sheet
Value: $77.04M
Peer Median: -
#109 of 2556 Top 4.2% in <100M tier
118
Total Assets
balance_sheet
Value: $87.93M
Peer Median: -
#118 of 2556 Top 4.6% in <100M tier
128
Members Per Employee (MPE)
engagement
Value: 690.444
Peer Median: -
#128 of 2556 Top 5.0% in <100M tier
210
Total Members
engagement
Value: 6,214
Peer Median: -
#210 of 2556 Top 8.2% in <100M tier
313
Loan-to-Member Ratio (LMR)
engagement
Value: $9,017
Peer Median: -
#313 of 2556 Top 12.2% in <100M tier
405
Member Growth Rate
growth
Value: 2.07%
Peer Median: -
#405 of 2556 Top 15.8% in <100M tier
427
Average Member Relationship (AMR)
engagement
Value: $21,415
Peer Median: -
#427 of 2556 Top 16.7% in <100M tier

Top Weaknesses (3 metrics)

2465
Indirect Auto Concentration (%)
balance_sheet
Value: 32.96%
Peer Median: -
#2465 of 2556 Bottom 3.6% in <100M tier
2101
AMR Growth Rate
growth
Value: -4.42%
Peer Median: -
#2101 of 2556 Bottom 17.8% in <100M tier
1971
Net Worth Ratio
risk
Value: 10.85%
Peer Median: -
#1971 of 2556 Bottom 22.9% in <100M tier
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