BlastPoint's Credit Union Scorecard
PEARL HAWAII
Charter #1961 · HI
PEARL HAWAII has 4 strengths but faces 5 concerns
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How does HI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 71.7% in tier
- + ROA 0.42% above tier average
- + Efficiency Ratio: Top 6.7% in tier
- + Members Per Employee (MPE): Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Institutional Decline: Bottom 72.4% in tier
- - Stagnation Risk: Bottom 73.4% in tier
- - Membership Headwinds: Bottom 85.3% in tier
- - Total Loans: Bottom 4.8% in tier
- - Loan-to-Share Ratio: Bottom 4.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
31,443
-1.1% YoY-0.8% QoQ
|
-7.1K |
38,575
-4.8% YoY
|
19,461
+2.6% YoY
|
33,374
+5.7% YoY
|
24% |
| Assets |
$523.4M
+11.0% YoY+4.1% QoQ
|
$-98.3M |
$621.7M
+0.1% YoY
|
$378.0M
+8.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 10.9% in tier |
| Loans |
$241.3M
-2.5% YoY-0.4% QoQ
|
$-188.6M |
$429.8M
-1.8% YoY
|
$192.6M
+6.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 4.2% in tier |
| Deposits |
$468.4M
+10.1% YoY+4.1% QoQ
|
$-70.3M |
$538.7M
+0.6% YoY
|
$334.4M
+8.0% YoY
|
$477.3M
+9.7% YoY
|
Bottom 14.5% in tier |
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| ROA |
1.1%
+136.5% YoY-3.8% QoQ
|
+0.4% |
0.7%
+42.9% YoY
|
0.8%
+46.9% YoY
|
0.7%
+15.9% YoY
|
82% |
| NIM |
2.8%
+3.3% YoY-1.7% QoQ
|
-0.7% |
3.4%
+8.0% YoY
|
3.1%
+6.7% YoY
|
3.8%
+5.1% YoY
|
Bottom 12.1% in tier |
| Efficiency Ratio |
65.6%
-15.9% YoY-0.3% QoQ
|
-11.9% |
77.5%
-4.1% YoY
|
73.8%
-6.9% YoY
|
79.7%
-3.3% YoY
|
Bottom 6.7% in tier |
| Delinquency Rate |
0.5%
-29.7% YoY+10.3% QoQ
|
-0.3 |
0.8%
-1.1% YoY
|
1.2%
-2.0% YoY
|
1.3%
-2.1% YoY
|
32% |
| Loan To Share |
51.5%
-11.5% YoY-4.3% QoQ
|
-28.3% |
79.8%
-2.3% YoY
|
54.4%
-2.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 4.2% in tier |
| AMR |
$22,570
+6.6% YoY+3.4% QoQ
|
$-4K |
$26,849
+2.7% YoY
|
$23,250
+4.8% YoY
|
$19,687
+2.0% YoY
|
28% |
| CD Concentration |
34.9%
+20.5% YoY+9.3% QoQ
|
+10.5% | 24.4% | 24.1% | 19.8% | 84% |
| Indirect Auto % |
10.5%
-16.0% YoY-6.5% QoQ
|
-3.3% | 13.8% | 5.0% | 7.8% | 54% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)