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BlastPoint's Credit Union Scorecard

HONOLULU FIRE DEPARTMENT

Charter #1880 · HI

<100M
2508 CUs in <100M nationally 20 in HI

HONOLULU FIRE DEPARTMENT has 6 strengths but faces 1 concern

Key Strengths

Areas where this CU excels compared to peers

  • + ROA 0.47% above tier average
  • + Total Loans: Top 3.4% in tier
  • + Members Per Employee (MPE): Top 4.9% in tier
  • + Total Deposits: Top 5.1% in tier
  • + Total Assets: Top 5.3% in tier
  • + Total Members: Top 7.8% in tier

Key Concerns

Areas that may need attention

  • - Indirect Auto Concentration (%): Bottom 3.4% in tier

Core Metrics

As of 2026-Q1

Metric Current vs Tier Tier Avg State Avg (HI) National Avg Tier Percentile
Members 6,207
+1.3% YoY-0.1% QoQ
+3.5K 2,676
+1.6% YoY
19,510
+0.1% YoY
33,913
+5.7% YoY
Top 7.9% in tier
Assets $85.6M
-4.9% YoY-2.7% QoQ
+$55.4M $30.2M
+1.3% YoY
$385.1M
+5.4% YoY
$578.3M
+9.0% YoY
Top 5.3% in tier
Loans $53.8M
-6.1% YoY-4.1% QoQ
+$38.5M $15.3M
-2.0% YoY
$193.9M
+4.9% YoY
$402.4M
+8.7% YoY
Top 3.4% in tier
Deposits $74.6M
-6.4% YoY-3.2% QoQ
+$48.8M $25.8M
+0.7% YoY
$341.1M
+4.6% YoY
$494.3M
+9.1% YoY
Top 5.1% 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%
+72.4% YoY+6.3% QoQ
+0.5% 0.1%
-77.6% YoY
0.8%
-0.9% YoY
0.4%
-39.2% YoY
50%
NIM 4.0%
+23.9% YoY+11.8% QoQ
+0.0% 4.0%
+4.0% YoY
3.2%
+6.8% YoY
3.8%
+4.1% YoY
57%
Efficiency Ratio 74.2%
-3.1% YoY-1.1% QoQ
-16.4% 90.6%
+6.5% YoY
73.4%
-3.4% YoY
84.6%
+2.8% YoY
33%
Delinquency Rate 0.7%
+496.4% YoY-14.4% QoQ
-0.8 1.5%
+3.8% YoY
1.1%
+17.2% YoY
1.2%
+3.4% YoY
51%
Loan To Share 72.0%
+0.3% YoY-0.9% QoQ
+13.5% 58.5%
-3.0% YoY
53.2%
-3.6% YoY
65.6%
-1.4% YoY
70%
AMR $20,680
-7.5% YoY-3.4% QoQ
+$6K $14,884
-1.7% YoY
$23,509
+4.4% YoY
$19,920
+1.6% YoY
81%
CD Concentration 6.7%
-48.8% YoY-39.8% QoQ
-17.6% 24.3% 24.4% 19.8% 50%
Indirect Auto % 32.6%
-3.8% YoY-1.0% QoQ
+18.8% 13.8% 4.9% 7.7% 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 2508 peers in tier

Top Strengths (8 metrics)

86
Total Loans
balance_sheet
Value: $53.75M
Peer Median: $9.48M
#86 of 2508 Top 3.4% in <100M tier
125
Members Per Employee (MPE)
engagement
Value: 689.667
Peer Median: 333.750
#125 of 2508 Top 4.9% in <100M tier
128
Total Deposits
balance_sheet
Value: $74.61M
Peer Median: $18.77M
#128 of 2508 Top 5.1% in <100M tier
134
Total Assets
balance_sheet
Value: $85.56M
Peer Median: $21.86M
#134 of 2508 Top 5.3% in <100M tier
197
Total Members
engagement
Value: 6,207
Peer Median: 1,918
#197 of 2508 Top 7.8% in <100M tier
341
Loan-to-Member Ratio (LMR)
engagement
Value: $8,660
Peer Median: $4,923
#341 of 2508 Top 13.6% in <100M tier
487
Average Member Relationship (AMR)
engagement
Value: $20,680
Peer Median: $13,926
#487 of 2508 Top 19.4% in <100M tier
539
Member Growth Rate
growth
Value: 1.27%
Peer Median: -1.37%
#539 of 2508 Top 21.5% in <100M tier

Top Weaknesses (5 metrics)

2424
Indirect Auto Concentration (%)
balance_sheet
Value: 32.64%
Peer Median: 0.00%
#2424 of 2508 Bottom 3.4% in <100M tier
2232
AMR Growth Rate
growth
Value: -7.47%
Peer Median: 1.27%
#2232 of 2508 Bottom 11.0% in <100M tier
2177
Deposit Growth Rate
growth
Value: -6.41%
Peer Median: 0.66%
#2177 of 2508 Bottom 13.2% in <100M tier
2148
Asset Growth Rate
growth
Value: -4.88%
Peer Median: 1.30%
#2148 of 2508 Bottom 14.4% in <100M tier
1945
Net Charge-Off Rate
risk
Value: 0.61%
Peer Median: 0.07%
#1945 of 2508 Bottom 22.5% in <100M tier
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