BlastPoint's Credit Union Scorecard

CU HAWAII

Charter #24630 · HI

100M-500M

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

CU HAWAII has 8 strengths but faces 5 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 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ Organic Growth Engine: Top 50.0% in tier
+ Total Deposits: Top 3.4% in tier
+ Total Assets: Top 3.8% in tier
+ Loan Growth Rate: Top 4.0% in tier
+ Total Members: Top 6.5% in tier
+ AMR Growth Rate: Top 9.4% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- ROA 0.28% below tier average
- Efficiency ratio 7.17% above tier (higher cost structure)

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 +9.2% year over year ($401M in shares and deposits).
Membership: 29,983 members, +1.7% vs a year ago.
Delinquency rate 0.33%.
Return on assets 0.58%.
Efficiency ratio 83.90% vs a 76.73% peer average.
Loan-to-share ratio 52.88% 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	29,983 +1.7% YoY+1.3% QoQ	+14.8K	15,168 -2.6% YoY	19,590 +0.5% YoY	34,678 +6.6% YoY	Top 6.6% in tier
Assets	$460.3M +9.5% YoY+1.6% QoQ	+$228.3M	$232.0M +0.7% YoY	$386.0M +4.8% YoY	$593.1M +10.2% YoY	Top 3.9% in tier
Loans	$212.1M +18.3% YoY-2.7% QoQ	+$65.8M	$146.3M +0.2% YoY	$197.3M +5.5% YoY	$418.6M +10.1% YoY	78%
Deposits	$401.1M +9.2% YoY+0.9% QoQ	+$200.3M	$200.7M +0.2% YoY	$341.6M +4.3% YoY	$504.8M +10.3% YoY	Top 3.5% 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	0.6% -20.1% YoY+43.0% QoQ	-0.3%	0.9% +12.5% YoY	1.0% +38.1% YoY	1.2% +121.4% YoY	35%
NIM	3.2% +3.6% YoY+3.4% QoQ	-0.5%	3.7% +4.5% YoY	3.2% +7.0% YoY	3.8% +2.3% YoY	22%
Efficiency Ratio	83.9% +3.1% YoY+4.1% QoQ	+7.2%	76.7% -0.8% YoY	73.0% -3.2% YoY	83.0% -5.3% YoY	72%
Delinquency Rate	0.3% +52.2% YoY+66.9% QoQ	-0.5	0.9% +6.6% YoY	1.3% -1.1% YoY	1.3% +2.6% YoY	21%
Loan To Share	52.9% +8.4% YoY-3.6% QoQ	-18.7%	71.5% -0.3% YoY	53.4% -3.2% YoY	66.4% -1.4% YoY	Bottom 14.5% in tier
AMR	$20,450 +10.3% YoY-1.7% QoQ	$-5K	$25,107 +3.2% YoY	$23,604 +3.8% YoY	$20,028 -0.9% YoY	34%
CD Concentration	21.8% +18.0% YoY+5.3% QoQ	-2.7%	24.6%	25.0%	20.0%	50%
Indirect Auto %	8.9% -34.1% YoY-10.7% QoQ	-4.7%	13.6%	4.8%	7.7%	50%

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth

#119 of 483 • Top 50.0% in tier

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

Why This Signature

AMR Growth (YoY): 10.26%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | New qualifier

Organic Growth Leader

growth

#233 of 342 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 1.72%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 8.91%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | New qualifier

Organic Growth Engine

growth

#300 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.72%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 0.58%

(Tier: 0.85%, National: 1.23%)

but worse than tier avg

Indirect Auto %: 8.91%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | New qualifier

Concerns (3)

Credit Risk Growth

risk

#110 of 472 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 18.30%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.11% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | New qualifier

Efficiency Drag

risk

#222 of 531 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 83.90%

(Tier: 76.58%, National: 82.97%)

worse than tier avg

ROA Change (YoY): -0.15% points

(Tier: 0.10% points, National: 0.47% points)

worse than tier avg

Member Growth (YoY): 1.72%

(Tier: 0.46%, National: 15.67%)

but better than tier avg

531 of 1024 Mid-Small & Community CUs have this signature | 608 nationally

↓ Shrinking -37 CUs YoY | Rank improving

Credit Quality Pressure

risk

#462 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.11% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 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 1024 peers in tier

Top Strengths (10 metrics)

Total Deposits

balance_sheet

Value: $401.05M

Peer Median: $170.77M

#36 of 1024 Top 3.4% in 100M-500M tier

Total Assets

balance_sheet

Value: $460.27M

Peer Median: $196.38M

#40 of 1024 Top 3.8% in 100M-500M tier

Loan Growth Rate

growth

Value: 18.30%

Peer Median: 3.02%

#42 of 1024 Top 4.0% in 100M-500M tier

Total Members

engagement

Value: 29,983

Peer Median: 13,128

#68 of 1024 Top 6.5% in 100M-500M tier

AMR Growth Rate

growth

Value: 10.26%

Peer Median: 3.53%

#97 of 1024 Top 9.4% in 100M-500M tier

124

Asset Growth Rate

growth

Value: 9.50%

Peer Median: 4.12%

#124 of 1024 Top 12.0% in 100M-500M tier

124

Deposit Growth Rate

growth

Value: 9.17%

Peer Median: 3.58%

#124 of 1024 Top 12.0% in 100M-500M tier

220

Total Delinquency Rate (60+ days)

risk

Value: 0.33%

Peer Median: 0.71%

#220 of 1024 Top 21.4% in 100M-500M tier

222

Total Loans

balance_sheet

Value: $212.09M

Peer Median: $124.04M

#222 of 1024 Top 21.6% in 100M-500M tier

254

Net Charge-Off Rate

risk

Value: 0.15%

Peer Median: 0.34%

#254 of 1024 Top 24.7% in 100M-500M tier

Top Weaknesses (3 metrics)

876

Loan-to-Share Ratio

balance_sheet

Value: 52.88%

Peer Median: 73.07%

#876 of 1024 Bottom 14.6% in 100M-500M tier

794

Net Interest Margin (NIM)

profitability

Value: 3.21%

Peer Median: 3.67%

#794 of 1024 Bottom 22.6% in 100M-500M tier

783

Loan-to-Member Ratio (LMR)

engagement

Value: $7,074

Peer Median: $9,434

#783 of 1024 Bottom 23.6% in 100M-500M tier