BlastPoint's Credit Union Scorecard

WAIALUA

Charter #2049 · HI

<100M

2508 CUs in <100M nationally 20 in HI

WAIALUA demonstrates 3 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 0.81% above tier average
+ Members Per Employee (MPE): Top 3.7% in tier
+ Net Charge-Off Rate: Top 5.5% in tier

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	2,969 -1.3% YoY-0.1% QoQ	+292	2,676 +1.6% YoY	19,510 +0.1% YoY	33,913 +5.7% YoY	67%
Assets	$47.6M +1.1% YoY+2.1% QoQ	+$17.4M	$30.2M +1.3% YoY	$385.1M +5.4% YoY	$578.3M +9.0% YoY	76%
Loans	$19.0M +0.7% YoY+0.9% QoQ	+$3.7M	$15.3M -2.0% YoY	$193.9M +4.9% YoY	$402.4M +8.7% YoY	69%
Deposits	$39.2M +0.5% YoY+2.2% QoQ	+$13.4M	$25.8M +0.7% YoY	$341.1M +4.6% YoY	$494.3M +9.1% YoY	74%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.0% +314.6% YoY+184.0% QoQ	+0.8%	0.1% -77.6% YoY	0.8% -0.9% YoY	0.4% -39.2% YoY	67%
NIM	2.7% +10.6% YoY+4.1% QoQ	-1.3%	4.0% +4.0% YoY	3.2% +6.8% YoY	3.8% +4.1% YoY	Bottom 11.8% in tier
Efficiency Ratio	75.5% -17.0% YoY-11.4% QoQ	-15.1%	90.6% +6.5% YoY	73.4% -3.4% YoY	84.6% +2.8% YoY	36%
Delinquency Rate	0.1% -75.3% YoY+6.7% QoQ	-1.4	1.5% +3.8% YoY	1.1% +17.2% YoY	1.2% +3.4% YoY	25%
Loan To Share	48.4% +0.3% YoY-1.3% QoQ	-10.1%	58.5% -3.0% YoY	53.2% -3.6% YoY	65.6% -1.4% YoY	34%
AMR	$19,593 +1.9% YoY+1.9% QoQ	+$5K	$14,884 -1.7% YoY	$23,509 +4.4% YoY	$19,920 +1.6% YoY	76%
CD Concentration	0.0%	-24.3%	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

Share Certificate Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 12.45%

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

Members Per Employee (MPE)

engagement

Value: 742.250

Peer Median: 333.750

#94 of 2508 Top 3.7% in <100M tier

138

Net Charge-Off Rate

risk

Value: -0.24%

Peer Median: 0.07%

#138 of 2508 Top 5.5% in <100M tier

592

Average Member Relationship (AMR)

engagement

Value: $19,593

Peer Median: $13,926

#592 of 2508 Top 23.6% in <100M tier

612

Total Assets

balance_sheet

Value: $47.62M

Peer Median: $21.86M

#612 of 2508 Top 24.4% in <100M tier

Top Weaknesses (3 metrics)

2225

First Mortgage Concentration (%)

balance_sheet

Value: 43.37%

Peer Median: 3.66%

#2225 of 2508 Bottom 11.3% in <100M tier

2213

Net Interest Margin (NIM)

profitability

Value: 2.73%

Peer Median: 3.83%

#2213 of 2508 Bottom 11.8% in <100M tier

1959

Fee Income Per Member

profitability

Value: $12.34

Peer Median: $60.42

#1959 of 2508 Bottom 21.9% in <100M tier