BlastPoint's Credit Union Scorecard
HAWAII
Charter #2403 · HI
HAWAII has 4 strengths but faces 10 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.70% above tier average
- + Net Interest Margin 1.03% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 70.6% in tier
- - Shrinking Wallet Share: Bottom 79.2% in tier
- - Stagnation Risk: Bottom 85.7% in tier
- - Accelerating Exit Risk: Bottom 90.9% in tier
- - Membership Headwinds: Bottom 96.0% in tier
- - Institutional Decline: Bottom 100.0% in tier
- - Total Deposits: Bottom 1.4% in tier
- - Total Assets: Bottom 2.5% in tier
- - Average Member Relationship (AMR): Bottom 5.7% in tier
- - Deposit Growth Rate: Bottom 6.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,643
-0.7% YoY-0.2% QoQ
|
-3.8K |
15,437
-2.9% YoY
|
19,461
+2.6% YoY
|
33,374
+5.7% YoY
|
40% |
| Assets |
$104.1M
-1.0% YoY-3.6% QoQ
|
$-127.7M |
$231.9M
+1.3% YoY
|
$378.0M
+8.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 2.4% in tier |
| Loans |
$73.2M
-0.9% YoY+0.1% QoQ
|
$-74.1M |
$147.3M
-0.1% YoY
|
$192.6M
+6.6% YoY
|
$397.0M
+8.8% YoY
|
18% |
| Deposits |
$87.0M
-2.8% YoY-4.7% QoQ
|
$-113.8M |
$200.8M
+0.8% YoY
|
$334.4M
+8.0% YoY
|
$477.3M
+9.7% YoY
|
Bottom 1.3% in tier |
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| ROA |
1.5%
+127.0% YoY+52.6% QoQ
|
+0.7% |
0.8%
+18.2% YoY
|
0.8%
+46.9% YoY
|
0.7%
+15.9% YoY
|
Top 11.7% in tier |
| NIM |
4.6%
+22.8% YoY+4.2% QoQ
|
+1.0% |
3.6%
+6.7% YoY
|
3.1%
+6.7% YoY
|
3.8%
+5.1% YoY
|
Top 7.2% in tier |
| Efficiency Ratio |
72.9%
-9.0% YoY-7.0% QoQ
|
-4.1% |
77.0%
-3.1% YoY
|
73.8%
-6.9% YoY
|
79.7%
-3.3% YoY
|
33% |
| Delinquency Rate |
0.4%
-7.5% YoY+15.5% QoQ
|
-0.5 |
0.9%
+4.2% YoY
|
1.2%
-2.0% YoY
|
1.3%
-2.1% YoY
|
23% |
| Loan To Share |
84.1%
+2.0% YoY+5.0% QoQ
|
+11.9% |
72.2%
-1.1% YoY
|
54.4%
-2.4% YoY
|
67.4%
-1.7% YoY
|
72% |
| AMR |
$13,758
-1.3% YoY-2.4% QoQ
|
$-11K |
$24,676
+3.4% YoY
|
$23,250
+4.8% YoY
|
$19,687
+2.0% YoY
|
Bottom 5.6% in tier |
| CD Concentration |
27.1%
+6.3% YoY+2.9% QoQ
|
+2.7% | 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 (6)
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)