BlastPoint's Credit Union Scorecard

EWA

Charter #1987 · HI

<100M

2508 CUs in <100M nationally 20 in HI

EWA demonstrates 2 strengths

National Analysis

How does the industry compare?

HI Analysis

How does HI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.70% above tier average
+ Net Interest Margin 0.10% above tier average

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (HI)	National Avg	Tier Percentile
Members	1,558 -1.4% YoY-0.4% QoQ	-1.1K	2,676 +1.6% YoY	19,510 +0.1% YoY	33,913 +5.7% YoY	42%
Assets	$13.2M -1.9% YoY+0.3% QoQ	$-16.9M	$30.2M +1.3% YoY	$385.1M +5.4% YoY	$578.3M +9.0% YoY	38%
Loans	$3.1M +1.1% YoY-1.5% QoQ	$-12.2M	$15.3M -2.0% YoY	$193.9M +4.9% YoY	$402.4M +8.7% YoY	24%
Deposits	$10.1M -3.0% YoY+0.3% QoQ	$-15.7M	$25.8M +0.7% YoY	$341.1M +4.6% YoY	$494.3M +9.1% YoY	36%

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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	0.8% -405.0% YoY+996.3% QoQ	+0.7%	0.1% -77.6% YoY	0.8% -0.9% YoY	0.4% -39.2% YoY	62%
NIM	4.1% +19.0% YoY+13.4% QoQ	+0.1%	4.0% +4.0% YoY	3.2% +6.8% YoY	3.8% +4.1% YoY	63%
Efficiency Ratio	83.6% -21.7% YoY-15.1% QoQ	-7.0%	90.6% +6.5% YoY	73.4% -3.4% YoY	84.6% +2.8% YoY	55%
Delinquency Rate	0.1% -4.8% YoY-78.5% QoQ	-1.4	1.5% +3.8% YoY	1.1% +17.2% YoY	1.2% +3.4% YoY	21%
Loan To Share	30.4% +4.3% YoY-1.8% QoQ	-28.1%	58.5% -3.0% YoY	53.2% -3.6% YoY	65.6% -1.4% YoY	Bottom 11.9% in tier
AMR	$8,459 -0.7% YoY+0.2% QoQ	$-6K	$14,884 -1.7% YoY	$23,509 +4.4% YoY	$19,920 +1.6% YoY	21%
CD Concentration	0.7% -64.3% YoY-53.7% QoQ	-23.6%	24.3%	24.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (6 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

First Mortgage Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 3.66%

#1 of 2508 Top 0.1% in <100M tier

344

Net Worth Ratio

risk

Value: 23.25%

Peer Median: 14.28%

#344 of 2508 Top 13.7% in <100M tier

510

Net Charge-Off Rate

risk

Value: 0.00%

Peer Median: 0.07%

#510 of 2508 Top 20.3% in <100M tier

537

Total Delinquency Rate (60+ days)

risk

Value: 0.09%

Peer Median: 0.65%

#537 of 2508 Top 21.4% in <100M tier

602

Share Certificate Concentration (%)

balance_sheet

Value: 0.65%

Peer Median: 12.45%

#602 of 2508 Top 24.0% in <100M tier

Top Weaknesses (4 metrics)

2207

Loan-to-Share Ratio

balance_sheet

Value: 30.38%

Peer Median: 58.72%

#2207 of 2508 Bottom 12.0% in <100M tier

2180

Loan-to-Member Ratio (LMR)

engagement

Value: $1,971

Peer Median: $4,923

#2180 of 2508 Bottom 13.1% in <100M tier

1988

Average Member Relationship (AMR)

engagement

Value: $8,459

Peer Median: $13,926

#1988 of 2508 Bottom 20.8% in <100M tier

1893

Total Loans

balance_sheet

Value: $3.07M

Peer Median: $9.48M

#1893 of 2508 Bottom 24.6% in <100M tier