BlastPoint's Credit Union Scorecard
HAMAKUA
Charter #2280 · HI
HAMAKUA demonstrates 4 strengths
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.35% above tier average
- + Deposit Growth Rate: Top 1.0% in tier
- + Asset Growth Rate: Top 1.1% in tier
- + AMR Growth Rate: Top 7.7% in tier
Key Concerns
Areas that may need attention
No key concerns identified
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 +22.7% year over year ($19.9M in shares and deposits).
- Membership: 1,796 members, +1.5% vs a year ago.
- Delinquency rate 0.38%.
- Return on assets 1.48%.
- Efficiency ratio 74.29% vs a 88.77% peer average.
- Loan-to-share ratio 47.95% 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 |
1,796
+1.5% YoY+0.7% QoQ
|
-789 |
2,585
-1.7% YoY
|
19,590
+0.5% YoY
|
34,678
+6.6% YoY
|
47% |
| Assets |
$23.4M
+20.2% YoY+7.1% QoQ
|
$-6.9M |
$30.3M
+1.5% YoY
|
$386.0M
+4.8% YoY
|
$593.1M
+10.2% YoY
|
52% |
| Loans |
$9.5M
-2.6% YoY+1.2% QoQ
|
$-5.9M |
$15.5M
-1.7% YoY
|
$197.3M
+5.5% YoY
|
$418.6M
+10.1% YoY
|
50% |
| Deposits |
$19.9M
+22.7% YoY+8.2% QoQ
|
$-5.9M |
$25.8M
+1.1% YoY
|
$341.6M
+4.3% YoY
|
$504.8M
+10.3% YoY
|
52% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.5%
-20.4% YoY-28.1% QoQ
|
+0.0% |
1.5%
+241.5% YoY
|
1.0%
+38.1% YoY
|
1.2%
+121.4% YoY
|
79% |
| NIM |
4.3%
-9.9% YoY-1.8% QoQ
|
+0.4% |
3.9%
+0.9% YoY
|
3.2%
+7.0% YoY
|
3.8%
+2.3% YoY
|
67% |
| Efficiency Ratio |
74.3%
+10.8% YoY+1.5% QoQ
|
-14.5% |
88.8%
-6.9% YoY
|
73.0%
-3.2% YoY
|
83.0%
-5.3% YoY
|
35% |
| Delinquency Rate |
0.4%
-88.3% YoY-57.5% QoQ
|
-1.2 |
1.5%
+2.1% YoY
|
1.3%
-1.1% YoY
|
1.3%
+2.6% YoY
|
35% |
| Loan To Share |
47.9%
-20.6% YoY-6.5% QoQ
|
-10.9% |
58.9%
-3.1% YoY
|
53.4%
-3.2% YoY
|
66.4%
-1.4% YoY
|
33% |
| AMR |
$16,356
+11.5% YoY+5.1% QoQ
|
+$1K |
$14,963
-6.8% YoY
|
$23,604
+3.8% YoY
|
$20,028
-0.9% YoY
|
62% |
| CD Concentration |
12.9%
+65.5% YoY-4.3% QoQ
|
-11.6% | 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)