BlastPoint's Credit Union Scorecard
PEARL HAWAII
Charter #1961 · HI
PEARL HAWAII has 6 strengths but faces 6 concerns
How does the industry compare?
What's your peer group doing?
How does HI stack up?
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 13.9% in tier
- + ROA 1.53% above tier average
- + Efficiency Ratio: Top 1.8% in tier
- + Fee Income Per Member: Top 3.0% in tier
- + Asset Growth Rate: Top 6.6% in tier
- + Deposit Growth Rate: Top 7.2% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 48.7% in tier
- - Stagnation Risk: Bottom 62.4% in tier
- - Membership Headwinds: Bottom 62.4% in tier
- - Total Loans: Bottom 5.4% in tier
- - Loan-to-Share Ratio: Bottom 6.0% in tier
- - Net Interest Margin (NIM): Bottom 8.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
31,533
-1.0% YoY+0.3% QoQ
|
-6.5K |
38,079
-4.8% YoY
|
19,510
+0.1% YoY
|
33,913
+5.7% YoY
|
28% |
| Assets |
$544.0M
+11.6% YoY+3.9% QoQ
|
$-75.7M |
$619.7M
-0.2% YoY
|
$385.1M
+5.4% YoY
|
$578.3M
+9.0% YoY
|
22% |
| Loans |
$244.1M
+0.4% YoY+1.2% QoQ
|
$-175.3M |
$419.3M
-1.4% YoY
|
$193.9M
+4.9% YoY
|
$402.4M
+8.7% YoY
|
Bottom 4.8% in tier |
| Deposits |
$486.6M
+11.2% YoY+3.9% QoQ
|
$-52.8M |
$539.5M
-0.1% YoY
|
$341.1M
+4.6% YoY
|
$494.3M
+9.1% YoY
|
25% |
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| ROA |
2.2%
+17.6% YoY+104.9% QoQ
|
+1.5% |
0.7%
+36.0% YoY
|
0.8%
-0.9% YoY
|
0.4%
-39.2% YoY
|
Top 1.8% in tier |
| NIM |
2.7%
-3.5% YoY-3.3% QoQ
|
-0.8% |
3.5%
+4.5% YoY
|
3.2%
+6.8% YoY
|
3.8%
+4.1% YoY
|
Bottom 7.8% in tier |
| Efficiency Ratio |
49.4%
-11.4% YoY-24.7% QoQ
|
-29.0% |
78.4%
-3.7% YoY
|
73.4%
-3.4% YoY
|
84.6%
+2.8% YoY
|
Top 1.8% in tier |
| Delinquency Rate |
0.4%
+7.3% YoY-29.6% QoQ
|
-0.3 |
0.7%
-0.9% YoY
|
1.1%
+17.2% YoY
|
1.2%
+3.4% YoY
|
27% |
| Loan To Share |
50.2%
-9.7% YoY-2.6% QoQ
|
-27.5% |
77.7%
-1.2% YoY
|
53.2%
-3.6% YoY
|
65.6%
-1.4% YoY
|
Bottom 5.4% in tier |
| AMR |
$23,173
+8.4% YoY+2.7% QoQ
|
$-4K |
$26,927
+3.1% YoY
|
$23,509
+4.4% YoY
|
$19,920
+1.6% YoY
|
32% |
| CD Concentration |
36.2%
+23.3% YoY+3.7% QoQ
|
+11.9% | 24.3% | 24.4% | 19.8% | Top 12.4% in tier |
| Indirect Auto % |
9.8%
-17.6% YoY-6.5% QoQ
|
-4.0% | 13.8% | 4.9% | 7.7% | 53% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (3)
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.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)