BlastPoint's Credit Union Scorecard
KAHUKU
Charter #2275 · HI
KAHUKU has 3 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.78% above tier average
- + Net Interest Margin 1.86% above tier average
- + Members Per Employee (MPE): Top 4.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 4.24% above tier (higher cost structure)
- - Delinquency rate 7.69% above tier average
- - Total Delinquency Rate (60+ days): Bottom 2.4% in tier
- - Net Charge-Off Rate: Bottom 2.7% 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 +8.1% year over year ($6.6M in shares and deposits).
- Membership: 2,116 members, +2.7% vs a year ago.
- Delinquency rate 9.24%.
- Return on assets 4.27%.
- Efficiency ratio 93.01% vs a 88.77% peer average.
- Loan-to-share ratio 85.31% 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 |
2,116
+2.7% YoY+0.5% QoQ
|
-469 |
2,585
-1.7% YoY
|
19,590
+0.5% YoY
|
34,678
+6.6% YoY
|
54% |
| Assets |
$7.7M
+6.3% YoY-3.9% QoQ
|
$-22.6M |
$30.3M
+1.5% YoY
|
$386.0M
+4.8% YoY
|
$593.1M
+10.2% YoY
|
26% |
| Loans |
$5.6M
-0.9% YoY+3.2% QoQ
|
$-9.8M |
$15.5M
-1.7% YoY
|
$197.3M
+5.5% YoY
|
$418.6M
+10.1% YoY
|
37% |
| Deposits |
$6.6M
+8.1% YoY-3.0% QoQ
|
$-19.2M |
$25.8M
+1.1% YoY
|
$341.6M
+4.3% YoY
|
$504.8M
+10.3% YoY
|
28% |
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| ROA |
4.3%
-386.6% YoY-244.5% QoQ
|
+2.8% |
1.5%
+241.5% YoY
|
1.0%
+38.1% YoY
|
1.2%
+121.4% YoY
|
Top 2.2% in tier |
| NIM |
5.8%
-4.2% YoY-2.2% QoQ
|
+1.9% |
3.9%
+0.9% YoY
|
3.2%
+7.0% YoY
|
3.8%
+2.3% YoY
|
Top 4.7% in tier |
| Efficiency Ratio |
93.0%
+17.5% YoY+25.3% QoQ
|
+4.2% |
88.8%
-6.9% YoY
|
73.0%
-3.2% YoY
|
83.0%
-5.3% YoY
|
77% |
| Delinquency Rate |
9.2%
-6.2% YoY+7.3% QoQ
|
+7.7 |
1.5%
+2.1% YoY
|
1.3%
-1.1% YoY
|
1.3%
+2.6% YoY
|
Bottom 2.4% in tier |
| Loan To Share |
85.3%
-8.4% YoY+6.3% QoQ
|
+26.4% |
58.9%
-3.1% YoY
|
53.4%
-3.2% YoY
|
66.4%
-1.4% YoY
|
Top 14.0% in tier |
| AMR |
$5,788
+1.1% YoY-0.7% QoQ
|
$-9K |
$14,963
-6.8% YoY
|
$23,604
+3.8% YoY
|
$20,028
-0.9% YoY
|
Bottom 10.9% in tier |
| CD Concentration |
30.0%
+77.6% YoY+9.6% QoQ
|
+5.5% | 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)