BlastPoint's Credit Union Scorecard
HAMAKUA
Charter #2280 · HI
HAMAKUA demonstrates 5 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.91% above tier average
- + Net Interest Margin 0.32% above tier average
- + Deposit Growth Rate: Top 3.3% in tier
- + Asset Growth Rate: Top 5.3% in tier
- + Net Charge-Off Rate: Top 7.2% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,784
+2.1% YoY+0.1% QoQ
|
-892 |
2,676
+1.6% YoY
|
19,510
+0.1% YoY
|
33,913
+5.7% YoY
|
47% |
| Assets |
$21.9M
+11.7% YoY+2.8% QoQ
|
$-8.3M |
$30.2M
+1.3% YoY
|
$385.1M
+5.4% YoY
|
$578.3M
+9.0% YoY
|
50% |
| Loans |
$9.4M
-2.9% YoY-1.8% QoQ
|
$-5.9M |
$15.3M
-2.0% YoY
|
$193.9M
+4.9% YoY
|
$402.4M
+8.7% YoY
|
50% |
| Deposits |
$18.4M
+14.8% YoY+2.5% QoQ
|
$-7.4M |
$25.8M
+0.7% YoY
|
$341.1M
+4.6% YoY
|
$494.3M
+9.1% YoY
|
50% |
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| ROA |
2.1%
-33.5% YoY+62.8% QoQ
|
+1.9% |
0.1%
-77.6% YoY
|
0.8%
-0.9% YoY
|
0.4%
-39.2% YoY
|
Top 5.8% in tier |
| NIM |
4.3%
-8.7% YoY-5.1% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
3.2%
+6.8% YoY
|
3.8%
+4.1% YoY
|
72% |
| Efficiency Ratio |
73.2%
+6.1% YoY+11.6% QoQ
|
-17.4% |
90.6%
+6.5% YoY
|
73.4%
-3.4% YoY
|
84.6%
+2.8% YoY
|
31% |
| Delinquency Rate |
0.9%
-36.6% YoY-68.3% QoQ
|
-0.6 |
1.5%
+3.8% YoY
|
1.1%
+17.2% YoY
|
1.2%
+3.4% YoY
|
61% |
| Loan To Share |
51.3%
-15.4% YoY-4.2% QoQ
|
-7.2% |
58.5%
-3.0% YoY
|
53.2%
-3.6% YoY
|
65.6%
-1.4% YoY
|
39% |
| AMR |
$15,562
+5.9% YoY+0.9% QoQ
|
+$678 |
$14,884
-1.7% YoY
|
$23,509
+4.4% YoY
|
$19,920
+1.6% YoY
|
58% |
| CD Concentration |
13.5%
+70.7% YoY+44.0% QoQ
|
-10.8% | 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)