BlastPoint's Credit Union Scorecard
EWA
Charter #1987 · HI
EWA has 1 strength but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.32% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.50% below tier average
- - Member decline: -2.1% YoY
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 2,437 credit unions with under $100M in assets nationally, and 1 of 20 that size in Hawaii.
- Shares and deposits -4.7% year over year ($9.9M in shares and deposits).
- Membership: 1,551 members, -2.1% vs a year ago.
- Delinquency rate 0.65%.
- Return on assets 0.99%.
- Efficiency ratio 79.20% vs a 88.77% peer average.
- Loan-to-share ratio 32.15% vs a 58.89% 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 |
1,551
-2.1% YoY-0.4% QoQ
|
-1.0K |
2,585
-1.7% YoY
|
19,590
+0.5% YoY
|
34,678
+6.6% YoY
|
42% |
| Assets |
$13.1M
-3.0% YoY-1.4% QoQ
|
$-17.2M |
$30.3M
+1.5% YoY
|
$386.0M
+4.8% YoY
|
$593.1M
+10.2% YoY
|
38% |
| Loans |
$3.2M
+3.5% YoY+3.6% QoQ
|
$-12.3M |
$15.5M
-1.7% YoY
|
$197.3M
+5.5% YoY
|
$418.6M
+10.1% YoY
|
25% |
| Deposits |
$9.9M
-4.7% YoY-2.2% QoQ
|
$-15.9M |
$25.8M
+1.1% YoY
|
$341.6M
+4.3% YoY
|
$504.8M
+10.3% YoY
|
36% |
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| ROA |
1.0%
+17.3% QoQ
|
-0.5% |
1.5%
+241.5% YoY
|
1.0%
+38.1% YoY
|
1.2%
+121.4% YoY
|
60% |
| NIM |
4.2%
+18.6% YoY+2.7% QoQ
|
+0.3% |
3.9%
+0.9% YoY
|
3.2%
+7.0% YoY
|
3.8%
+2.3% YoY
|
66% |
| Efficiency Ratio |
79.2%
-21.1% YoY-5.3% QoQ
|
-9.6% |
88.8%
-6.9% YoY
|
73.0%
-3.2% YoY
|
83.0%
-5.3% YoY
|
46% |
| Delinquency Rate |
0.6%
+870.8% YoY+602.2% QoQ
|
-0.9 |
1.5%
+2.1% YoY
|
1.3%
-1.1% YoY
|
1.3%
+2.6% YoY
|
48% |
| Loan To Share |
32.2%
+8.6% YoY+5.8% QoQ
|
-26.7% |
58.9%
-3.1% YoY
|
53.4%
-3.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 13.3% in tier |
| AMR |
$8,428
-0.7% YoY-0.4% QoQ
|
$-7K |
$14,963
-6.8% YoY
|
$23,604
+3.8% YoY
|
$20,028
-0.9% YoY
|
20% |
| CD Concentration |
1.2%
-30.7% YoY+78.9% QoQ
|
-23.4% | 24.6% | 25.0% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 4.8% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)