BlastPoint's Credit Union Scorecard
KAHUKU
Charter #2275 · HI
KAHUKU has 6 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 2.86% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 0.7% in tier
- + Member Growth Rate: Top 6.9% in tier
- + Loan-to-Share Ratio: Top 8.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.20% below tier average
- - Delinquency rate 6.95% above tier average
- - Total Delinquency Rate (60+ days): Bottom 2.6% in tier
- - Net Charge-Off Rate: Bottom 2.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,117
+4.9% YoY+2.7% QoQ
|
-508 |
2,625
-2.2% YoY
|
19,538
+4.7% YoY
|
33,089
+6.1% YoY
|
54% |
| Assets |
$7.5M
+6.0% YoY+3.3% QoQ
|
$-22.4M |
$29.9M
+1.1% YoY
|
$371.1M
+11.7% YoY
|
$547.7M
+7.8% YoY
|
27% |
| Loans |
$5.8M
+0.6% YoY+2.4% QoQ
|
$-9.9M |
$15.8M
-2.4% YoY
|
$190.1M
+8.2% YoY
|
$388.7M
+8.6% YoY
|
37% |
| Deposits |
$6.3M
+5.9% YoY+2.6% QoQ
|
$-19.2M |
$25.5M
+0.4% YoY
|
$328.7M
+11.9% YoY
|
$464.6M
+9.3% YoY
|
27% |
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| ROA |
0.5%
-1676.6% YoY-132.5% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
0.8%
+109.8% YoY
|
0.7%
+273.4% YoY
|
36% |
| NIM |
6.8%
+4.1% YoY+13.0% QoQ
|
+2.9% |
3.9%
+3.8% YoY
|
3.1%
+10.9% YoY
|
3.7%
+5.0% YoY
|
Top 1.8% in tier |
| Efficiency Ratio |
66.8%
-2.8% YoY-15.5% QoQ
|
-14.6% |
81.4%
-2.4% YoY
|
73.4%
-6.7% YoY
|
79.1%
-3.3% YoY
|
25% |
| Delinquency Rate |
8.5%
+45.1% YoY-14.1% QoQ
|
+7.0 |
1.5%
-2.0% YoY
|
1.2%
-0.3% YoY
|
1.2%
-0.9% YoY
|
Top 2.6% in tier |
| Loan To Share |
92.9%
-4.9% YoY-0.2% QoQ
|
+31.7% |
61.2%
-3.0% YoY
|
55.2%
-1.0% YoY
|
68.0%
-1.7% YoY
|
Top 8.7% in tier |
| AMR |
$5,713
-1.6% YoY-0.2% QoQ
|
$-9K |
$14,627
-2.7% YoY
|
$22,988
+5.6% YoY
|
$19,418
+1.3% YoY
|
Bottom 11.0% in tier |
| CD Concentration |
22.1%
+6.5% YoY+30.9% QoQ
|
-2.3% |
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)