BlastPoint's Credit Union Scorecard
KAHUKU
Charter #2275 · HI
KAHUKU has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.88% above tier average
- + Members Per Employee (MPE): Top 0.8% in tier
Key Concerns
Areas that may need attention
- - ROA 3.10% below tier average
- - Delinquency rate 7.11% above tier average
- - Net Charge-Off Rate: Bottom 1.7% in tier
- - Total Delinquency Rate (60+ days): Bottom 2.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,105
+3.0% YoY+0.3% QoQ
|
-571 |
2,676
+1.6% YoY
|
19,510
+0.1% YoY
|
33,913
+5.7% YoY
|
54% |
| Assets |
$8.0M
+4.0% YoY+2.6% QoQ
|
$-22.2M |
$30.2M
+1.3% YoY
|
$385.1M
+5.4% YoY
|
$578.3M
+9.0% YoY
|
27% |
| Loans |
$5.5M
-6.9% YoY-5.2% QoQ
|
$-9.8M |
$15.3M
-2.0% YoY
|
$193.9M
+4.9% YoY
|
$402.4M
+8.7% YoY
|
37% |
| Deposits |
$6.8M
+5.1% YoY+4.2% QoQ
|
$-19.0M |
$25.8M
+0.7% YoY
|
$341.1M
+4.6% YoY
|
$494.3M
+9.1% YoY
|
28% |
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| ROA |
-3.0%
-437.3% YoY-439.6% QoQ
|
-3.1% |
0.1%
-77.6% YoY
|
0.8%
-0.9% YoY
|
0.4%
-39.2% YoY
|
Bottom 3.4% in tier |
| NIM |
5.9%
-5.3% YoY-5.7% QoQ
|
+1.9% |
4.0%
+4.0% YoY
|
3.2%
+6.8% YoY
|
3.8%
+4.1% YoY
|
Top 4.2% in tier |
| Efficiency Ratio |
74.3%
-7.1% YoY+8.1% QoQ
|
-16.4% |
90.6%
+6.5% YoY
|
73.4%
-3.4% YoY
|
84.6%
+2.8% YoY
|
33% |
| Delinquency Rate |
8.6%
+5.2% YoY-15.0% QoQ
|
+7.1 |
1.5%
+3.8% YoY
|
1.1%
+17.2% YoY
|
1.2%
+3.4% YoY
|
Bottom 2.9% in tier |
| Loan To Share |
80.2%
-11.4% YoY-9.0% QoQ
|
+21.7% |
58.5%
-3.0% YoY
|
53.2%
-3.6% YoY
|
65.6%
-1.4% YoY
|
82% |
| AMR |
$5,831
-3.5% YoY-0.5% QoQ
|
$-9K |
$14,884
-1.7% YoY
|
$23,509
+4.4% YoY
|
$19,920
+1.6% YoY
|
Bottom 11.2% in tier |
| CD Concentration |
27.4%
+39.2% YoY-8.9% QoQ
|
+3.1% | 24.3% | 24.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.9% | 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)