BlastPoint's Credit Union Scorecard
HAMAKUA
Charter #2280 · HI
HAMAKUA has 5 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.64% above tier average
- + Net Interest Margin 0.61% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Deposit Growth Rate: Top 4.1% in tier
- + Asset Growth Rate: Top 4.3% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.24% above tier average
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,783
+2.5% YoY+0.6% QoQ
|
-832 |
2,615
-1.9% YoY
|
19,461
+2.6% YoY
|
33,374
+5.7% YoY
|
47% |
| Assets |
$21.3M
+13.6% YoY+1.7% QoQ
|
$-8.9M |
$30.1M
+2.1% YoY
|
$378.0M
+8.3% YoY
|
$561.6M
+9.7% YoY
|
50% |
| Loans |
$9.6M
+0.5% YoY-1.4% QoQ
|
$-6.2M |
$15.8M
-1.3% YoY
|
$192.6M
+6.6% YoY
|
$397.0M
+8.8% YoY
|
50% |
| Deposits |
$17.9M
+14.5% YoY+2.5% QoQ
|
$-7.8M |
$25.7M
+1.4% YoY
|
$334.4M
+8.0% YoY
|
$477.3M
+9.7% YoY
|
49% |
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| ROA |
1.3%
-3.3% YoY-13.3% QoQ
|
+0.6% |
0.6%
+10.8% YoY
|
0.8%
+46.9% YoY
|
0.7%
+15.9% YoY
|
77% |
| NIM |
4.6%
-2.3% YoY-3.1% QoQ
|
+0.6% |
4.0%
+4.0% YoY
|
3.1%
+6.7% YoY
|
3.8%
+5.1% YoY
|
75% |
| Efficiency Ratio |
65.6%
-1.3% YoY-0.1% QoQ
|
-17.0% |
82.6%
-2.3% YoY
|
73.8%
-6.9% YoY
|
79.7%
-3.3% YoY
|
19% |
| Delinquency Rate |
2.8%
-8.3% YoY-5.9% QoQ
|
+1.2 |
1.6%
-3.1% YoY
|
1.2%
-2.0% YoY
|
1.3%
-2.1% YoY
|
Top 14.2% in tier |
| Loan To Share |
53.5%
-12.2% YoY-3.9% QoQ
|
-7.1% |
60.6%
-3.1% YoY
|
54.4%
-2.4% YoY
|
67.4%
-1.7% YoY
|
38% |
| AMR |
$15,416
+6.6% YoY+0.5% QoQ
|
+$634 |
$14,783
-1.4% YoY
|
$23,250
+4.8% YoY
|
$19,687
+2.0% YoY
|
59% |
| CD Concentration |
9.4%
+130.7% YoY+30.5% QoQ
|
-15.1% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.0% | 7.8% | 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)