BlastPoint's Credit Union Scorecard
WAIALUA
Charter #2049 · HI
WAIALUA has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Members Per Employee (MPE): Top 3.8% in tier
- + Net Charge-Off Rate: Top 5.0% in tier
Key Concerns
Areas that may need attention
- - ROA 0.79% below tier average
- - Net Interest Margin (NIM): Bottom 9.4% in tier
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 +1.2% year over year ($39.0M in shares and deposits).
- Membership: 2,955 members, -1.5% vs a year ago.
- Delinquency rate 0.16%.
- Return on assets 0.70%.
- Efficiency ratio 79.72% vs a 88.77% peer average.
- Loan-to-share ratio 48.15% 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 |
2,955
-1.5% YoY-0.5% QoQ
|
+369 |
2,585
-1.7% YoY
|
19,590
+0.5% YoY
|
34,678
+6.6% YoY
|
67% |
| Assets |
$47.4M
+1.7% YoY-0.4% QoQ
|
+$17.2M |
$30.3M
+1.5% YoY
|
$386.0M
+4.8% YoY
|
$593.1M
+10.2% YoY
|
76% |
| Loans |
$18.8M
-2.0% YoY-1.1% QoQ
|
+$3.3M |
$15.5M
-1.7% YoY
|
$197.3M
+5.5% YoY
|
$418.6M
+10.1% YoY
|
68% |
| Deposits |
$39.0M
+1.2% YoY-0.6% QoQ
|
+$13.2M |
$25.8M
+1.1% YoY
|
$341.6M
+4.3% YoY
|
$504.8M
+10.3% YoY
|
74% |
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| ROA |
0.7%
+177.9% YoY-26.4% QoQ
|
-0.8% |
1.5%
+241.5% YoY
|
1.0%
+38.1% YoY
|
1.2%
+121.4% YoY
|
44% |
| NIM |
2.7%
+5.4% YoY-2.3% QoQ
|
-1.2% |
3.9%
+0.9% YoY
|
3.2%
+7.0% YoY
|
3.8%
+2.3% YoY
|
Bottom 9.3% in tier |
| Efficiency Ratio |
79.7%
-10.9% YoY+5.6% QoQ
|
-9.0% |
88.8%
-6.9% YoY
|
73.0%
-3.2% YoY
|
83.0%
-5.3% YoY
|
48% |
| Delinquency Rate |
0.2%
+26.2% YoY+10.7% QoQ
|
-1.4 |
1.5%
+2.1% YoY
|
1.3%
-1.1% YoY
|
1.3%
+2.6% YoY
|
24% |
| Loan To Share |
48.2%
-3.2% YoY-0.5% QoQ
|
-10.7% |
58.9%
-3.1% YoY
|
53.4%
-3.2% YoY
|
66.4%
-1.4% YoY
|
33% |
| AMR |
$19,536
+1.6% YoY-0.3% QoQ
|
+$5K |
$14,963
-6.8% YoY
|
$23,604
+3.8% YoY
|
$20,028
-0.9% YoY
|
76% |
| CD Concentration | 0.0% | -24.6% | 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)