BlastPoint's Credit Union Scorecard
HAMAKUA
Charter #2280 · 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
|
46% |
| 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
|
49% |
| 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
|
50% |
| 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
|
49% |
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| 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
|
79% |
| 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
|
80% |
| 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
|
23% |
| 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
|
41% |
| 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
|
60% |
| 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
|
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)