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 3.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.28% below tier average
- - Efficiency ratio 2.66% above tier (higher cost structure)
- - Net Interest Margin (NIM): Bottom 9.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,973
-1.2% YoY-0.1% QoQ
|
+357 |
2,615
-1.9% YoY
|
19,461
+2.6% YoY
|
33,374
+5.7% YoY
|
67% |
| Assets |
$46.7M
-1.1% YoY-1.3% QoQ
|
+$16.5M |
$30.1M
+2.1% YoY
|
$378.0M
+8.3% YoY
|
$561.6M
+9.7% YoY
|
75% |
| Loans |
$18.8M
+0.3% YoY-0.9% QoQ
|
+$3.0M |
$15.8M
-1.3% YoY
|
$192.6M
+6.6% YoY
|
$397.0M
+8.8% YoY
|
68% |
| Deposits |
$38.4M
-2.0% YoY-1.8% QoQ
|
+$12.7M |
$25.7M
+1.4% YoY
|
$334.4M
+8.0% YoY
|
$477.3M
+9.7% YoY
|
74% |
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| ROA |
0.3%
+46.7% YoY+8.2% QoQ
|
-0.3% |
0.6%
+10.8% YoY
|
0.8%
+46.9% YoY
|
0.7%
+15.9% YoY
|
32% |
| NIM |
2.6%
+10.8% YoY+0.3% QoQ
|
-1.3% |
4.0%
+4.0% YoY
|
3.1%
+6.7% YoY
|
3.8%
+5.1% YoY
|
Bottom 9.9% in tier |
| Efficiency Ratio |
85.2%
-1.9% YoY-0.3% QoQ
|
+2.7% |
82.6%
-2.3% YoY
|
73.8%
-6.9% YoY
|
79.7%
-3.3% YoY
|
64% |
| Delinquency Rate |
0.1%
-60.5% YoY-34.2% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.2%
-2.0% YoY
|
1.3%
-2.1% YoY
|
22% |
| Loan To Share |
49.0%
+2.3% YoY+0.9% QoQ
|
-11.6% |
60.6%
-3.1% YoY
|
54.4%
-2.4% YoY
|
67.4%
-1.7% YoY
|
32% |
| AMR |
$19,226
-0.0% YoY-1.4% QoQ
|
+$4K |
$14,783
-1.4% YoY
|
$23,250
+4.8% YoY
|
$19,687
+2.0% YoY
|
76% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.0% | 7.8% | 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)