BlastPoint's Credit Union Scorecard
CU HAWAII
Charter #24630 · HI
CU HAWAII has 6 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 36.7% in tier
- + Organic Growth Leader: Top 85.4% in tier
- + Organic Growth Engine: Top 92.6% in tier
- + Total Deposits: Top 5.3% in tier
- + Total Assets: Top 5.9% in tier
- + Total Members: Top 7.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 37.2% in tier
- - Credit Risk Growth: Bottom 37.4% in tier
- - Credit Quality Pressure: Bottom 71.5% in tier
- - ROA 0.19% below tier average
- - Efficiency ratio 5.14% above tier (higher cost structure)
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
29,394
+1.0% YoY-0.7% QoQ
|
+14.0K |
15,437
-2.9% YoY
|
19,461
+2.6% YoY
|
33,374
+5.7% YoY
|
Top 7.6% in tier |
| Assets |
$439.6M
+7.6% YoY+2.2% QoQ
|
+$207.7M |
$231.9M
+1.3% YoY
|
$378.0M
+8.3% YoY
|
$561.6M
+9.7% YoY
|
Top 6.0% in tier |
| Loans |
$200.2M
+11.2% YoY+12.4% QoQ
|
+$52.9M |
$147.3M
-0.1% YoY
|
$192.6M
+6.6% YoY
|
$397.0M
+8.8% YoY
|
75% |
| Deposits |
$383.9M
+9.5% YoY+2.3% QoQ
|
+$183.1M |
$200.8M
+0.8% YoY
|
$334.4M
+8.0% YoY
|
$477.3M
+9.7% YoY
|
Top 5.4% in tier |
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| ROA |
0.6%
-12.0% YoY-17.9% QoQ
|
-0.2% |
0.8%
+18.2% YoY
|
0.8%
+46.9% YoY
|
0.7%
+15.9% YoY
|
37% |
| NIM |
3.1%
+0.2% YoY-1.0% QoQ
|
-0.6% |
3.6%
+6.7% YoY
|
3.1%
+6.7% YoY
|
3.8%
+5.1% YoY
|
20% |
| Efficiency Ratio |
82.2%
+1.0% YoY+1.5% QoQ
|
+5.1% |
77.0%
-3.1% YoY
|
73.8%
-6.9% YoY
|
79.7%
-3.3% YoY
|
68% |
| Delinquency Rate |
0.5%
+28.9% YoY+80.2% QoQ
|
-0.4 |
0.9%
+4.2% YoY
|
1.2%
-2.0% YoY
|
1.3%
-2.1% YoY
|
30% |
| Loan To Share |
52.2%
+1.6% YoY+9.9% QoQ
|
-20.1% |
72.2%
-1.1% YoY
|
54.4%
-2.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 12.5% in tier |
| AMR |
$19,872
+8.9% YoY+6.3% QoQ
|
$-5K |
$24,676
+3.4% YoY
|
$23,250
+4.8% YoY
|
$19,687
+2.0% YoY
|
33% |
| CD Concentration |
19.6%
+26.4% YoY+1.1% QoQ
|
-4.8% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % |
12.6%
-7.8% YoY+5.6% QoQ
|
-1.2% | 13.8% | 5.0% | 7.8% | 50% |
Signature Analysis
Strengths (3)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (3)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)