BlastPoint's Credit Union Scorecard

PEARL HAWAII

Charter #1961 · HI

Community 500M-750M

165 CUs in 500M-750M nationally 2 in HI

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PEARL HAWAII has 3 strengths but faces 8 concerns

National Analysis

How does the industry compare?

Community Tier

What's your peer group doing?

HI Analysis

How does HI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 13.4% in tier
+ ROA 0.52% above tier average
+ Efficiency Ratio: Top 5.5% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 37.8% in tier
- Credit Risk Growth: Bottom 40.8% in tier
- Membership Headwinds: Bottom 64.5% in tier
- Stagnation Risk: Bottom 64.5% in tier
- Loan-to-Share Ratio: Bottom 5.5% in tier
- Total Loans: Bottom 6.1% in tier
- Net Interest Margin (NIM): Bottom 6.7% in tier
- Share Certificate Concentration (%): Bottom 9.7% in tier

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

One of 165 credit unions with $500M-$750M in assets nationally, and 1 of 2 that size in Hawaii.
Shares and deposits +9.0% year over year ($488M in shares and deposits).
Membership: 31,649 members, -1.0% vs a year ago.
Delinquency rate 0.42%.
Return on assets 1.34%.
Efficiency ratio 59.26% vs a 76.56% peer average.
Loan-to-share ratio 52.17% vs a 79.33% peer average.

Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (HI)	National Avg	Tier Percentile
Members	31,649 -1.0% YoY+0.4% QoQ	-6.2K	37,897 -5.0% YoY	19,590 +0.5% YoY	34,678 +6.6% YoY	27%
Assets	$545.1M +9.3% YoY+0.2% QoQ	$-77.3M	$622.4M +0.6% YoY	$386.0M +4.8% YoY	$593.1M +10.2% YoY	22%
Loans	$254.7M +5.0% YoY+4.3% QoQ	$-173.8M	$428.5M -0.7% YoY	$197.3M +5.5% YoY	$418.6M +10.1% YoY	Bottom 5.5% in tier
Deposits	$488.1M +9.0% YoY+0.3% QoQ	$-51.6M	$539.8M +0.9% YoY	$341.6M +4.3% YoY	$504.8M +10.3% YoY	26%

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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	1.3% +0.6% YoY-39.6% QoQ	+0.5%	0.8% +39.5% YoY	1.0% +38.1% YoY	1.2% +121.4% YoY	Top 12.7% in tier
NIM	2.7% -3.3% YoY+1.1% QoQ	-0.8%	3.5% +5.0% YoY	3.2% +7.0% YoY	3.8% +2.3% YoY	Bottom 6.1% in tier
Efficiency Ratio	59.3% -5.3% YoY+19.9% QoQ	-17.3%	76.6% -3.6% YoY	73.0% -3.2% YoY	83.0% -5.3% YoY	Top 5.5% in tier
Delinquency Rate	0.4% +30.0% YoY+14.2% QoQ	-0.4	0.8% +3.1% YoY	1.3% -1.1% YoY	1.3% +2.6% YoY	22%
Loan To Share	52.2% -3.7% YoY+4.0% QoQ	-27.2%	79.3% -1.4% YoY	53.4% -3.2% YoY	66.4% -1.4% YoY	Bottom 4.8% in tier
AMR	$23,469 +8.7% YoY+1.3% QoQ	$-4K	$27,294 +4.1% YoY	$23,604 +3.8% YoY	$20,028 -0.9% YoY	34%
CD Concentration	37.3% +18.5% YoY+2.9% QoQ	+12.7%	24.6%	25.0%	20.0%	Top 10.8% in tier
Indirect Auto %	9.5% -16.3% YoY-2.7% QoQ	-4.1%	13.6%	4.8%	7.7%	53%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#173 of 483 • Top 13.4% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 8.66%

(Tier: 3.97%, National: 35.20%)

better than tier avg

635 nationally

↑ Growing +52 CUs YoY | New qualifier

Concerns (4)

Credit Quality Pressure

risk

#487 of 693 • Bottom 37.8% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.10% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

962 nationally

↓ Shrinking -83 CUs YoY | New qualifier

Credit Risk Growth

risk

#346 of 472 • Bottom 40.8% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 4.98%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.10% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

688 nationally

↑ Growing +32 CUs YoY | New qualifier

Membership Headwinds

decline

#459 of 549 • Bottom 64.5% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.00%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

Stagnation Risk

risk

#511 of 549 • Bottom 64.5% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.00%

(Tier: 0.46%, National: 15.67%)

worse than tier avg

Loan Growth (YoY): 4.98%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Rate: 0.42%

(Tier: 0.87%, National: 1.26%)

but better than tier avg

653 nationally

↓ Shrinking -15 CUs YoY | New qualifier

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)

Compare against:

Comparing against 165 peers in tier

Top Strengths (8 metrics)

Efficiency Ratio

profitability

Value: 59.26%

Peer Median: 77.45%

#10 of 165 Top 5.5% in 500M-750M tier

Members Per Employee (MPE)

engagement

Value: 439.569

Peer Median: 313.721

#19 of 165 Top 10.9% in 500M-750M tier

Return on Assets (ROA)

profitability

Value: 1.34%

Peer Median: 0.74%

#21 of 165 Top 12.1% in 500M-750M tier

AMR Growth Rate

growth

Value: 8.66%

Peer Median: 3.83%

#22 of 165 Top 12.7% in 500M-750M tier

Deposit Growth Rate

growth

Value: 8.98%

Peer Median: 4.04%

#26 of 165 Top 15.2% in 500M-750M tier

Asset Growth Rate

growth

Value: 9.27%

Peer Median: 4.61%

#27 of 165 Top 15.8% in 500M-750M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.42%

Peer Median: 0.70%

#37 of 165 Top 21.8% in 500M-750M tier

Fee Income Per Member

profitability

Value: $250.60

Peer Median: $191.53

#38 of 165 Top 22.4% in 500M-750M tier

Top Weaknesses (7 metrics)

157

Loan-to-Share Ratio

balance_sheet

Value: 52.17%

Peer Median: 81.50%

#157 of 165 Bottom 5.5% in 500M-750M tier

156

Total Loans

balance_sheet

Value: $254.65M

Peer Median: $428.72M

#156 of 165 Bottom 6.1% in 500M-750M tier

155

Net Interest Margin (NIM)

profitability

Value: 2.71%

Peer Median: 3.55%

#155 of 165 Bottom 6.7% in 500M-750M tier

150

Share Certificate Concentration (%)

balance_sheet

Value: 37.27%

Peer Median: 26.69%

#150 of 165 Bottom 9.7% in 500M-750M tier

145

First Mortgage Concentration (%)

balance_sheet

Value: 51.88%

Peer Median: 34.05%

#145 of 165 Bottom 12.7% in 500M-750M tier

143

Loan-to-Member Ratio (LMR)

engagement

Value: $8,046

Peer Median: $11,477

#143 of 165 Bottom 13.9% in 500M-750M tier

129

Total Assets

balance_sheet

Value: $545.10M

Peer Median: $621.76M

#129 of 165 Bottom 22.4% in 500M-750M tier