BlastPoint's Credit Union Scorecard
PEARL HAWAII
Charter #1961 · HI
PEARL HAWAII has 3 strengths but faces 7 concerns
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Key Strengths
Areas where this CU excels compared to peers
- + Profitability Leader: Top 98.5% in tier
- + ROA 0.47% above tier average
- + Efficiency Ratio: Top 7.1% in tier
Key Concerns
Areas that may need attention
- - Stagnation Risk: Bottom 17.3% in tier
- - Institutional Decline: Bottom 20.7% in tier
- - Membership Headwinds: Bottom 28.5% in tier
- - Total Assets: Bottom 1.2% in tier
- - Total Loans: Bottom 4.1% in tier
- - Loan-to-Share Ratio: Bottom 5.3% in tier
- - Total Deposits: Bottom 7.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
31,699
-1.0% YoY-0.8% QoQ
|
-8.1K |
39,752
-2.7% YoY
|
19,538
+4.7% YoY
|
33,089
+6.1% YoY
|
24% |
| Assets |
$503.0M
+5.8% YoY+0.8% QoQ
|
$-119.4M |
$622.4M
+0.3% YoY
|
$371.1M
+11.7% YoY
|
$547.7M
+7.8% YoY
|
Bottom 0.6% in tier |
| Loans |
$242.2M
-4.0% YoY-0.1% QoQ
|
$-193.7M |
$435.9M
-0.4% YoY
|
$190.1M
+8.2% YoY
|
$388.7M
+8.6% YoY
|
Bottom 3.6% in tier |
| Deposits |
$449.9M
+4.9% YoY+0.5% QoQ
|
$-88.1M |
$538.0M
+1.3% YoY
|
$328.7M
+11.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 7.1% in tier |
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| ROA |
1.1%
+157.7% YoY-15.4% QoQ
|
+0.5% |
0.7%
+33.9% YoY
|
0.8%
+109.8% YoY
|
0.7%
+273.4% YoY
|
84% |
| NIM |
2.8%
+5.9% YoY+0.6% QoQ
|
-0.6% |
3.4%
+8.6% YoY
|
3.1%
+10.9% YoY
|
3.7%
+5.0% YoY
|
Bottom 13.0% in tier |
| Efficiency Ratio |
65.8%
-15.7% YoY+5.2% QoQ
|
-12.3% |
78.1%
-3.4% YoY
|
73.4%
-6.7% YoY
|
79.1%
-3.3% YoY
|
Bottom 7.1% in tier |
| Delinquency Rate |
0.5%
-31.1% YoY+46.7% QoQ
|
-0.3 |
0.8%
-4.9% YoY
|
1.2%
-0.3% YoY
|
1.2%
-0.9% YoY
|
34% |
| Loan To Share |
53.8%
-8.5% YoY-0.6% QoQ
|
-27.2% |
81.0%
-1.8% YoY
|
55.2%
-1.0% YoY
|
68.0%
-1.7% YoY
|
Bottom 4.7% in tier |
| AMR |
$21,835
+2.6% YoY+1.1% QoQ
|
$-5K |
$26,482
+2.6% YoY
|
$22,988
+5.6% YoY
|
$19,418
+1.3% YoY
|
25% |
| CD Concentration |
32.0%
+8.7% YoY+1.6% QoQ
|
+7.6% |
24.4%
+4.2% YoY
|
23.5%
+10.2% YoY
|
19.6%
+6.2% YoY
|
76% |
| Indirect Auto % |
11.2%
-12.6% YoY-1.6% QoQ
|
-2.8% |
14.0%
-5.7% YoY
|
5.1%
-6.8% YoY
|
7.9%
-2.9% YoY
|
56% |
Signature Analysis
Strengths (1)
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Concerns (3)
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)