BlastPoint's Credit Union Scorecard
WAIALUA
Charter #2049 · HI
WAIALUA has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 3.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.37% below tier average
- - Efficiency ratio 4.11% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 9.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,976
-1.5% YoY-0.8% QoQ
|
+350 |
2,625
-2.2% YoY
|
19,538
+4.7% YoY
|
33,089
+6.1% YoY
|
66% |
| Assets |
$47.3M
-1.3% YoY+1.3% QoQ
|
+$17.4M |
$29.9M
+1.1% YoY
|
$371.1M
+11.7% YoY
|
$547.7M
+7.8% YoY
|
76% |
| Loans |
$19.0M
+5.1% YoY-0.9% QoQ
|
+$3.2M |
$15.8M
-2.4% YoY
|
$190.1M
+8.2% YoY
|
$388.7M
+8.6% YoY
|
69% |
| Deposits |
$39.1M
-1.0% YoY+1.4% QoQ
|
+$13.6M |
$25.5M
+0.4% YoY
|
$328.7M
+11.9% YoY
|
$464.6M
+9.3% YoY
|
75% |
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| ROA |
0.3%
+32.7% YoY+22.9% QoQ
|
-0.4% |
0.7%
-731.4% YoY
|
0.8%
+109.8% YoY
|
0.7%
+273.4% YoY
|
28% |
| NIM |
2.6%
+13.1% YoY+3.4% QoQ
|
-1.3% |
3.9%
+3.8% YoY
|
3.1%
+10.9% YoY
|
3.7%
+5.0% YoY
|
Bottom 9.2% in tier |
| Efficiency Ratio |
85.5%
-1.3% YoY-4.4% QoQ
|
+4.1% |
81.4%
-2.4% YoY
|
73.4%
-6.7% YoY
|
79.1%
-3.3% YoY
|
68% |
| Delinquency Rate |
0.2%
-58.5% YoY+62.4% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
1.2%
-0.3% YoY
|
1.2%
-0.9% YoY
|
27% |
| Loan To Share |
48.6%
+6.2% YoY-2.3% QoQ
|
-12.6% |
61.2%
-3.0% YoY
|
55.2%
-1.0% YoY
|
68.0%
-1.7% YoY
|
30% |
| AMR |
$19,501
+2.5% YoY+1.4% QoQ
|
+$5K |
$14,627
-2.7% YoY
|
$22,988
+5.6% YoY
|
$19,418
+1.3% YoY
|
78% |
| CD Concentration | 0.0% | -24.4% |
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)