BlastPoint's Credit Union Scorecard
HAWAII
Charter #2403 · HI
HAWAII has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.70% above tier average
- + Net Interest Margin 1.37% above tier average
- + Members Per Employee (MPE): Top 7.5% in tier
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Accelerating Exit Risk: Bottom 50.0% in tier
- - Credit Quality Pressure: 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
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
11,567
-1.0% YoY-0.7% QoQ
|
-3.6K |
15,145
-2.5% YoY
|
19,510
+0.1% YoY
|
33,913
+5.7% YoY
|
42% |
| Assets |
$105.4M
-3.7% YoY+1.2% QoQ
|
$-126.3M |
$231.7M
+0.8% YoY
|
$385.1M
+5.4% YoY
|
$578.3M
+9.0% YoY
|
Bottom 4.1% in tier |
| Loans |
$71.5M
-1.8% YoY-2.3% QoQ
|
$-72.7M |
$144.1M
+0.2% YoY
|
$193.9M
+4.9% YoY
|
$402.4M
+8.7% YoY
|
18% |
| Deposits |
$87.7M
-5.3% YoY+0.8% QoQ
|
$-113.5M |
$201.1M
+0.4% YoY
|
$341.1M
+4.6% YoY
|
$494.3M
+9.1% YoY
|
Bottom 1.4% in tier |
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| ROA |
1.4%
+42.4% YoY-2.0% QoQ
|
+0.7% |
0.7%
+5.1% YoY
|
0.8%
-0.9% YoY
|
0.4%
-39.2% YoY
|
Top 12.8% in tier |
| NIM |
5.0%
+17.7% YoY+7.7% QoQ
|
+1.4% |
3.6%
+4.6% YoY
|
3.2%
+6.8% YoY
|
3.8%
+4.1% YoY
|
Top 2.9% in tier |
| Efficiency Ratio |
74.1%
-5.7% YoY+1.7% QoQ
|
-3.9% |
78.0%
-1.7% YoY
|
73.4%
-3.4% YoY
|
84.6%
+2.8% YoY
|
34% |
| Delinquency Rate |
0.2%
+24.9% YoY-39.5% QoQ
|
-0.5 |
0.8%
+7.1% YoY
|
1.1%
+17.2% YoY
|
1.2%
+3.4% YoY
|
17% |
| Loan To Share |
81.5%
+3.7% YoY-3.1% QoQ
|
+11.1% |
70.4%
-0.4% YoY
|
53.2%
-3.6% YoY
|
65.6%
-1.4% YoY
|
72% |
| AMR |
$13,761
-2.8% YoY+0.0% QoQ
|
$-11K |
$24,918
+2.7% YoY
|
$23,509
+4.4% YoY
|
$19,920
+1.6% YoY
|
Bottom 5.1% in tier |
| CD Concentration |
24.6%
-1.4% YoY-9.1% QoQ
|
+0.3% | 24.3% | 24.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (7)
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.
Accelerating Exit Risk
declineMembers leaving AND taking more deposits with them. This compounds quickly - urgent need for retention strategy.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)