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BlastPoint's Credit Union Scorecard

HAWAII

Charter #2403 · HI

100M-500M
1024 CUs in 100M-500M nationally 15 in HI

HAWAII has 3 strengths but faces 8 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

  • + ROA 0.38% above tier average
  • + Net Interest Margin 1.43% above tier average
  • + Members Per Employee (MPE): Top 9.1% in tier

Key Concerns

Areas that may need attention

  • - Shrinking Wallet Share: Bottom 50.0% in tier
  • - Deposit Outflow: Bottom 50.0% in tier
  • - Accelerating Exit Risk: Bottom 50.0% in tier
  • - Stagnation Risk: Bottom 50.0% in tier
  • - Membership Headwinds: Bottom 50.0% in tier
  • - Institutional Decline: Bottom 50.0% in tier
  • - Total Deposits: Bottom 1.5% in tier
  • - Total Assets: Bottom 2.8% in tier

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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 15 that size in Hawaii.
  • Shares and deposits -4.9% year over year ($86.5M in shares and deposits).
  • Membership: 11,578 members, -0.8% vs a year ago.
  • Delinquency rate 0.23%.
  • Return on assets 1.24%.
  • Efficiency ratio 74.59% vs a 76.73% peer average.
  • Loan-to-share ratio 81.61% vs a 71.54% 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 11,578
-0.8% YoY+0.1% QoQ
 -3.6K 15,168
-2.6% YoY
 19,590
+0.5% YoY
 34,678
+6.6% YoY
 42%
Assets $104.0M
-3.3% YoY-1.4% QoQ
 $-128.0M $232.0M
+0.7% YoY
 $386.0M
+4.8% YoY
 $593.1M
+10.2% YoY
 Bottom 2.7% in tier
Loans $70.6M
-3.8% YoY-1.3% QoQ
 $-75.7M $146.3M
+0.2% YoY
 $197.3M
+5.5% YoY
 $418.6M
+10.1% YoY
 17%
Deposits $86.5M
-4.9% YoY-1.4% QoQ
 $-114.3M $200.7M
+0.2% YoY
 $341.6M
+4.3% YoY
 $504.8M
+10.3% YoY
 Bottom 1.4% in tier

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Tier 1
50+ financial metrics with peer benchmarks
Performance signatures (strengths & concerns)
AI-generated insights and rankings

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ROA 1.2%
+35.4% YoY-13.2% QoQ
 +0.4% 0.9%
+12.5% YoY
 1.0%
+38.1% YoY
 1.2%
+121.4% YoY
 78%
NIM 5.1%
+17.9% YoY+2.3% QoQ
 +1.4% 3.7%
+4.5% YoY
 3.2%
+7.0% YoY
 3.8%
+2.3% YoY
 Top 2.3% in tier
Efficiency Ratio 74.6%
-3.3% YoY+0.6% QoQ
 -2.1% 76.7%
-0.8% YoY
 73.0%
-3.2% YoY
 83.0%
-5.3% YoY
 40%
Delinquency Rate 0.2%
-19.9% YoY-5.7% QoQ
 -0.7 0.9%
+6.6% YoY
 1.3%
-1.1% YoY
 1.3%
+2.6% YoY
 Top 13.0% in tier
Loan To Share 81.6%
+1.1% YoY+0.1% QoQ
 +10.1% 71.5%
-0.3% YoY
 53.4%
-3.2% YoY
 66.4%
-1.4% YoY
 68%
AMR $13,561
-3.6% YoY-1.5% QoQ
 $-12K $25,107
+3.2% YoY
 $23,604
+3.8% YoY
 $20,028
-0.9% YoY
 Bottom 4.3% in tier
CD Concentration 24.9%
+1.2% YoY+1.0% QoQ
 +0.3% 24.6% 25.0% 20.0% 50%
Indirect Auto % 0.0% -13.6% 13.6% 4.8% 7.7% 50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (6)

Shrinking Wallet Share

decline
#76 of 223 • Bottom 50.0% in tier

Average member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.

Why This Signature
AMR Growth (YoY): -3.64%
(Tier: 3.97%, National: 35.20%)
worse than tier avg
223 of 1024 Mid-Small & Community CUs have this signature | 308 nationally
↓ Shrinking -61 CUs YoY | New qualifier

Deposit Outflow

decline
#38 of 84 • Bottom 50.0% in tier

Members staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.

Why This Signature
Deposit Growth (YoY): -4.90%
(Tier: 4.24%, National: 100.69%)
worse than tier avg
Member Growth (YoY): -0.81%
(Tier: 0.46%, National: 15.67%)
worse than tier avg
84 of 1024 Mid-Small & Community CUs have this signature | 109 nationally
↓ Shrinking -9 CUs YoY | New qualifier

Accelerating Exit Risk

decline
#24 of 46 • Bottom 50.0% in tier

Members leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.

Why This Signature
Member Growth (YoY): -0.81%
(Tier: 0.46%, National: 15.67%)
worse than tier avg
AMR Growth (YoY): -3.64%
(Tier: 3.97%, National: 35.20%)
worse than tier avg
46 of 1024 Mid-Small & Community CUs have this signature | 53 nationally
↓ Shrinking -16 CUs YoY | New qualifier

Stagnation Risk

risk
#426 of 549 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature
Member Growth (YoY): -0.81%
(Tier: 0.46%, National: 15.67%)
worse than tier avg
Loan Growth (YoY): -3.85%
(Tier: 4.13%, National: 78.26%)
worse than tier avg
Delinquency Rate: 0.23%
(Tier: 0.87%, National: 1.26%)
but better than tier avg
549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally
↓ Shrinking -15 CUs YoY

Membership Headwinds

decline
#484 of 549 • Bottom 50.0% in tier

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

Why This Signature
Member Growth (YoY): -0.81%
(Tier: 0.46%, National: 15.67%)
worse than tier avg
549 of 1024 Mid-Small & Community CUs have this signature | 653 nationally
↓ Shrinking -15 CUs YoY | Rank worsening

Institutional Decline

decline
#221 of 230 • Bottom 50.0% in tier

Both members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.

Why This Signature
Total Assets: $103.98M
(Tier: $336.17M, National: $593.11M)
worse than tier avg
Member Growth (YoY): -0.81%
(Tier: 0.46%, National: 15.67%)
worse than tier avg
Loan Growth (YoY): -3.85%
(Tier: 4.13%, National: 78.26%)
worse than tier avg
230 of 1024 Mid-Small & Community CUs have this signature | 261 nationally
↓ Shrinking -49 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)

Comparing against 1024 peers in tier

Top Strengths (7 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Median: 6.15%
#1 of 1024 Top 0.1% in 100M-500M tier
24
Net Interest Margin (NIM)
profitability
Value: 5.11%
Peer Median: 3.67%
#24 of 1024 Top 2.2% in 100M-500M tier
94
Members Per Employee (MPE)
engagement
Value: 463.120
Peer Median: 310.924
#94 of 1024 Top 9.1% in 100M-500M tier
127
First Mortgage Concentration (%)
balance_sheet
Value: 10.14%
Peer Median: 29.92%
#127 of 1024 Top 12.3% in 100M-500M tier
134
Total Delinquency Rate (60+ days)
risk
Value: 0.23%
Peer Median: 0.71%
#134 of 1024 Top 13.0% in 100M-500M tier
172
Net Worth Ratio
risk
Value: 15.15%
Peer Median: 11.71%
#172 of 1024 Top 16.7% in 100M-500M tier
227
Return on Assets (ROA)
profitability
Value: 1.24%
Peer Median: 0.75%
#227 of 1024 Top 22.1% in 100M-500M tier

Top Weaknesses (10 metrics)

1010
Total Deposits
balance_sheet
Value: $86.45M
Peer Median: $170.77M
#1010 of 1024 Bottom 1.5% in 100M-500M tier
996
Total Assets
balance_sheet
Value: $103.98M
Peer Median: $196.38M
#996 of 1024 Bottom 2.8% in 100M-500M tier
992
Deposit Growth Rate
growth
Value: -4.90%
Peer Median: 3.58%
#992 of 1024 Bottom 3.2% in 100M-500M tier
980
Average Member Relationship (AMR)
engagement
Value: $13,561
Peer Median: $23,006
#980 of 1024 Bottom 4.4% in 100M-500M tier
976
Asset Growth Rate
growth
Value: -3.28%
Peer Median: 4.12%
#976 of 1024 Bottom 4.8% in 100M-500M tier
963
AMR Growth Rate
growth
Value: -3.64%
Peer Median: 3.53%
#963 of 1024 Bottom 6.1% in 100M-500M tier
889
Loan-to-Member Ratio (LMR)
engagement
Value: $6,094
Peer Median: $9,434
#889 of 1024 Bottom 13.3% in 100M-500M tier
887
Loan Growth Rate
growth
Value: -3.85%
Peer Median: 3.02%
#887 of 1024 Bottom 13.5% in 100M-500M tier
878
Net Charge-Off Rate
risk
Value: 0.82%
Peer Median: 0.34%
#878 of 1024 Bottom 14.4% in 100M-500M tier
847
Total Loans
balance_sheet
Value: $70.56M
Peer Median: $124.04M
#847 of 1024 Bottom 17.4% in 100M-500M tier
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