BlastPoint's Credit Union Scorecard

HAWAII

Charter #2403 · HI

1077 CUs in 100M-500M nationally 14 in HI

HAWAII has 5 strengths but faces 6 concerns

National Analysis

How does the industry compare?

HI Analysis

How does HI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 60.6% in tier
+ Credit Quality Leader: Top 85.2% in tier
+ ROA 0.17% above tier average
+ Net Interest Margin 0.87% above tier average
+ Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

- Membership Headwinds: Bottom 24.0% in tier
- Stagnation Risk: Bottom 24.7% in tier
- Efficiency ratio 1.09% above tier (higher cost structure)
- Total Deposits: Bottom 3.8% in tier
- Total Assets: Bottom 5.8% in tier
- Average Member Relationship (AMR): Bottom 6.9% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (HI)	National Avg	Tier Percentile
Members	11,670 -1.5% YoY-0.0% QoQ	-4.0K	15,628 -3.4% YoY	19,538 +4.7% YoY	33,089 +6.1% YoY	40%
Assets	$108.1M +3.8% YoY+0.5% QoQ	$-123.2M	$231.3M -0.0% YoY	$371.1M +11.7% YoY	$547.7M +7.8% YoY	Bottom 5.8% in tier
Loans	$73.2M +7.3% YoY-0.3% QoQ	$-74.6M	$147.8M -1.4% YoY	$190.1M +8.2% YoY	$388.7M +8.6% YoY	18%
Deposits	$91.3M +3.7% YoY+0.4% QoQ	$-109.0M	$200.3M -0.0% YoY	$328.7M +11.9% YoY	$464.6M +9.3% YoY	Bottom 3.7% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	1.0% +300.0% YoY+4.2% QoQ	+0.2%	0.8% +15.5% YoY	0.8% +109.8% YoY	0.7% +273.4% YoY	63%
NIM	4.5% +18.9% YoY+2.6% QoQ	+0.9%	3.6% +6.9% YoY	3.1% +10.9% YoY	3.7% +5.0% YoY	Top 10.7% in tier
Efficiency Ratio	78.4% -9.4% YoY+1.6% QoQ	+1.1%	77.3% -3.0% YoY	73.4% -6.7% YoY	79.1% -3.3% YoY	55%
Delinquency Rate	0.3% -9.3% YoY+21.5% QoQ	-0.5	0.9% +7.6% YoY	1.2% -0.3% YoY	1.2% -0.9% YoY	22%
Loan To Share	80.1% +3.5% YoY-0.7% QoQ	+7.4%	72.7% -1.5% YoY	55.2% -1.0% YoY	68.0% -1.7% YoY	63%
AMR	$14,092 +6.8% YoY+0.1% QoQ	$-10K	$24,363 +2.9% YoY	$22,988 +5.6% YoY	$19,418 +1.3% YoY	Bottom 6.8% in tier
CD Concentration	26.3% -1.4% YoY+7.1% QoQ	+1.9%	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 (2)

Wallet Share Momentum

growth

#292 of 481 • Top 60.6% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.82%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | New qualifier

Credit Quality Leader

growth

#290 of 340 • Top 85.2% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.34%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.04% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Concerns (2)

Membership Headwinds

decline

#396 of 550 • Bottom 24.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.47%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

Stagnation Risk

risk

#408 of 550 • Bottom 24.7% in tier

Membership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.47%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

Loan Growth (YoY): 7.32%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Rate: 0.34%

(Tier: 0.85%, National: 1.23%)

but better than tier avg

550 of 1077 Community CUs have this signature | 648 nationally

→ Stable (555→550 CUs) -5 CUs YoY | New qualifier

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (7 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Avg: -

#1 of 1077 Top 0.0% in 100M-500M tier

115

Net Interest Margin (NIM)

profitability

Value: 4.45%

Peer Avg: -

#115 of 1077 Top 10.6% in 100M-500M tier

136

First Mortgage Concentration (%)

balance_sheet

Value: 9.91%

Peer Avg: -

#136 of 1077 Top 12.5% in 100M-500M tier

171

Members Per Employee (MPE)

engagement

Value: 416.786

Peer Avg: -

#171 of 1077 Top 15.8% in 100M-500M tier

231

AMR Growth Rate

growth

Value: 6.82%

Peer Avg: -

#231 of 1077 Top 21.4% in 100M-500M tier

237

Total Delinquency Rate (60+ days)

risk

Value: 0.34%

Peer Avg: -

#237 of 1077 Top 21.9% in 100M-500M tier

267

Loan Growth Rate

growth

Value: 7.32%

Peer Avg: -

#267 of 1077 Top 24.7% in 100M-500M tier

Top Weaknesses (6 metrics)

1037

Total Deposits

balance_sheet

Value: $91.30M

Peer Avg: -

#1037 of 1077 Bottom 3.8% in 100M-500M tier

1015

Total Assets

balance_sheet

Value: $108.06M

Peer Avg: -

#1015 of 1077 Bottom 5.8% in 100M-500M tier

1004

Average Member Relationship (AMR)

engagement

Value: $14,092

Peer Avg: -

#1004 of 1077 Bottom 6.9% in 100M-500M tier

918

Net Charge-Off Rate

risk

Value: 0.82%

Peer Avg: -

#918 of 1077 Bottom 14.9% in 100M-500M tier

903

Loan-to-Member Ratio (LMR)

engagement

Value: $6,268

Peer Avg: -

#903 of 1077 Bottom 16.2% in 100M-500M tier

888

Total Loans

balance_sheet

Value: $73.15M

Peer Avg: -

#888 of 1077 Bottom 17.6% in 100M-500M tier