BlastPoint's Credit Union Scorecard
EWA
Charter #1987 · HI
EWA has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.58% below tier average
- - Efficiency ratio 16.30% above tier (higher cost structure)
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,569
-1.4% YoY-0.9% QoQ
|
-1.1K |
2,625
-2.2% YoY
|
19,538
+4.7% YoY
|
33,089
+6.1% YoY
|
42% |
| Assets |
$13.3M
-1.9% YoY-1.3% QoQ
|
$-16.6M |
$29.9M
+1.1% YoY
|
$371.1M
+11.7% YoY
|
$547.7M
+7.8% YoY
|
39% |
| Loans |
$3.2M
-7.4% YoY+2.9% QoQ
|
$-12.6M |
$15.8M
-2.4% YoY
|
$190.1M
+8.2% YoY
|
$388.7M
+8.6% YoY
|
25% |
| Deposits |
$10.2M
-2.5% YoY-2.0% QoQ
|
$-15.3M |
$25.5M
+0.4% YoY
|
$328.7M
+11.9% YoY
|
$464.6M
+9.3% YoY
|
37% |
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| ROA |
0.1%
-77.5% YoY-701.7% QoQ
|
-0.6% |
0.7%
-731.4% YoY
|
0.8%
+109.8% YoY
|
0.7%
+273.4% YoY
|
20% |
| NIM |
3.7%
+13.9% YoY+3.6% QoQ
|
-0.2% |
3.9%
+3.8% YoY
|
3.1%
+10.9% YoY
|
3.7%
+5.0% YoY
|
42% |
| Efficiency Ratio |
97.7%
+12.5% YoY-2.7% QoQ
|
+16.3% |
81.4%
-2.4% YoY
|
73.4%
-6.7% YoY
|
79.1%
-3.3% YoY
|
Top 13.1% in tier |
| Delinquency Rate |
0.0%
-98.9% YoY-73.2% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
1.2%
-0.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 14.1% in tier |
| Loan To Share |
31.1%
-5.0% YoY+5.0% QoQ
|
-30.1% |
61.2%
-3.0% YoY
|
55.2%
-1.0% YoY
|
68.0%
-1.7% YoY
|
Bottom 10.9% in tier |
| AMR |
$8,498
-2.3% YoY+0.1% QoQ
|
$-6K |
$14,627
-2.7% YoY
|
$22,988
+5.6% YoY
|
$19,418
+1.3% YoY
|
22% |
| CD Concentration |
1.6%
-65.3% YoY-2.7% QoQ
|
-22.8% |
24.4%
+4.2% YoY
|
23.5%
+10.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.1%
-6.8% YoY
|
7.9%
-2.9% YoY
|
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)