HAMAKUA
Charter #2280 | HI
<100M
(2596 CUs)
Micro
($0-$500M)
21 <100M in HI
HAMAKUA has 3 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.78% above tier average
- + Net Interest Margin 0.77% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.46% above tier average
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,773
+2.2% YoY+0.2% QoQ
|
-852 |
2,625
-2.2% YoY
|
19,538
+4.7% YoY
|
33,089
+6.1% YoY
|
46th in tier |
| Assets |
$20.9M
+9.1% YoY+7.4% QoQ
|
$-9.0M |
$29.9M
+1.1% YoY
|
$371.1M
+11.7% YoY
|
$547.7M
+7.8% YoY
|
49th in tier |
| Loans |
$9.7M
+4.1% YoY-0.5% QoQ
|
$-6.0M |
$15.8M
-2.4% YoY
|
$190.1M
+8.2% YoY
|
$388.7M
+8.6% YoY
|
50th in tier |
| Deposits |
$17.5M
+7.7% YoY+7.9% QoQ
|
$-8.0M |
$25.5M
+0.4% YoY
|
$328.7M
+11.9% YoY
|
$464.6M
+9.3% YoY
|
49th in tier |
| ROA |
1.5%
+20.6% YoY-21.6% QoQ
|
+0.8% |
0.7%
-731.4% YoY
|
0.8%
+109.8% YoY
|
0.7%
+273.4% YoY
|
Top 21.0% in tier |
| NIM |
4.7%
+2.6% YoY-0.3% QoQ
|
+0.8% |
3.9%
+3.8% YoY
|
3.1%
+10.9% YoY
|
3.7%
+5.0% YoY
|
Top 20.5% in tier |
| Efficiency Ratio |
65.7%
-4.4% YoY-2.1% QoQ
|
-15.7% |
81.4%
-2.4% YoY
|
73.4%
-6.7% YoY
|
79.1%
-3.3% YoY
|
Bottom 22.8% in tier |
| Delinquency Rate |
3.0%
-7.2% YoY-7.7% QoQ
|
+1.5 |
1.5%
-2.0% YoY
|
1.2%
-0.3% YoY
|
1.2%
-0.9% YoY
|
Top 12.1% in tier |
| Loan To Share |
55.7%
-3.4% YoY-7.8% QoQ
|
-5.6% |
61.2%
-3.0% YoY
|
55.2%
-1.0% YoY
|
68.0%
-1.7% YoY
|
41st in tier |
| AMR |
$15,333
+4.0% YoY+4.5% QoQ
|
+$706 |
$14,627
-2.7% YoY
|
$22,988
+5.6% YoY
|
$19,418
+1.3% YoY
|
60th in tier |
| CD Concentration |
7.2%
+74.8% YoY-8.0% QoQ
|
-17.2% |
24.4%
+4.2% YoY
|
23.5%
+10.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
5.1%
-6.8% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
266
Asset Growth Rate
growth
Value:
9.06%
Peer Avg: 1.82%
#266 of 2596
Top 10.2% in <100M tier
364
Deposit Growth Rate
growth
Value:
7.73%
Peer Avg: 16.80%
#364 of 2596
Top 14.0% in <100M tier
400
Member Growth Rate
growth
Value:
2.25%
Peer Avg: 14.92%
#400 of 2596
Top 15.4% in <100M tier
533
Net Interest Margin (NIM)
profitability
Value:
4.71%
Peer Avg: 3.93%
#533 of 2596
Top 20.5% in <100M tier
546
Return on Assets (ROA)
profitability
Value:
1.46%
Peer Avg: 0.68%
#546 of 2596
Top 21.0% in <100M tier
594
Efficiency Ratio
profitability
Value:
65.66%
Peer Avg: 81.39%
#594 of 2596
Top 22.8% in <100M tier
606
Loan Growth Rate
growth
Value:
4.05%
Peer Avg: 59.01%
#606 of 2596
Top 23.3% in <100M tier
Top Weaknesses (2 metrics)
2284
Total Delinquency Rate (60+ days)
risk
Value:
2.97%
Peer Avg: 1.51%
#2284 of 2596
Bottom 12.1% in <100M tier
2270
Net Charge-Off Rate
risk
Value:
1.08%
Peer Avg: 0.57%
#2270 of 2596
Bottom 12.6% in <100M tier