BlastPoint's Credit Union Scorecard

CU HAWAII

Charter #24630 · HI

1077 CUs in 100M-500M nationally 14 in HI

CU HAWAII has 6 strengths but faces 4 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

+ Organic Growth Leader: Top 29.0% in tier
+ Organic Growth Engine: Top 29.5% in tier
+ Credit Quality Leader: Top 59.3% in tier
+ Total Deposits: Top 6.0% in tier
+ Total Assets: Top 6.7% in tier
+ Total Members: Top 7.7% in tier

Key Concerns

Areas that may need attention

- Efficiency Drag: Bottom 15.0% in tier
- ROA 0.09% below tier average
- Efficiency ratio 3.70% above tier (higher cost structure)
- Loan-to-Share Ratio: Bottom 8.4% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (HI)	National Avg	Tier Percentile
Members	29,607 +0.9% YoY+0.4% QoQ	+14.0K	15,628 -3.4% YoY	19,538 +4.7% YoY	33,089 +6.1% YoY	Top 7.8% in tier
Assets	$430.0M +8.0% YoY+2.3% QoQ	+$198.7M	$231.3M -0.0% YoY	$371.1M +11.7% YoY	$547.7M +7.8% YoY	Top 6.8% in tier
Loans	$178.2M -2.5% YoY-0.6% QoQ	+$30.4M	$147.8M -1.4% YoY	$190.1M +8.2% YoY	$388.7M +8.6% YoY	70%
Deposits	$375.3M +9.9% YoY+2.2% QoQ	+$175.0M	$200.3M -0.0% YoY	$328.7M +11.9% YoY	$464.6M +9.3% YoY	Top 6.1% 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	0.7% +12.9% YoY-4.8% QoQ	-0.1%	0.8% +15.5% YoY	0.8% +109.8% YoY	0.7% +273.4% YoY	45%
NIM	3.1% +1.6% YoY-0.5% QoQ	-0.5%	3.6% +6.9% YoY	3.1% +10.9% YoY	3.7% +5.0% YoY	22%
Efficiency Ratio	81.0% -0.1% YoY-0.5% QoQ	+3.7%	77.3% -3.0% YoY	73.4% -6.7% YoY	79.1% -3.3% YoY	64%
Delinquency Rate	0.3% -27.3% YoY+20.4% QoQ	-0.6	0.9% +7.6% YoY	1.2% -0.3% YoY	1.2% -0.9% YoY	16%
Loan To Share	47.5% -11.3% YoY-2.7% QoQ	-25.2%	72.7% -1.5% YoY	55.2% -1.0% YoY	68.0% -1.7% YoY	Bottom 8.4% in tier
AMR	$18,695 +4.7% YoY+0.8% QoQ	$-6K	$24,363 +2.9% YoY	$22,988 +5.6% YoY	$19,418 +1.3% YoY	27%
CD Concentration	19.4% +32.6% YoY+5.0% QoQ	-5.0%	24.4% +4.2% YoY	23.5% +10.2% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	12.0% -20.4% YoY-11.5% QoQ	-2.0%	14.0% -5.7% YoY	5.1% -6.8% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (3)

Organic Growth Leader

growth

#383 of 430 • Top 29.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 0.86%

(Tier: 0.88%, National: 9.37%)

but worse than tier avg

Indirect Auto %: 11.96%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | New qualifier

Organic Growth Engine

growth

#542 of 603 • Top 29.5% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 0.86%

(Tier: 0.88%, National: 9.37%)

but worse than tier avg

Return on Assets: 0.70%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 11.96%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Credit Quality Leader

growth

#202 of 340 • Top 59.3% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.26%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): -0.10% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | New qualifier

Concerns (1)

Efficiency Drag

risk

#266 of 521 • Bottom 15.0% in tier

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

Why This Signature

Efficiency Ratio: 80.98%

(Tier: 77.15%, National: 79.10%)

worse than tier avg

ROA Change (YoY): 0.08% points

(Tier: 0.11% points, National: 0.05% points)

worse than tier avg

Member Growth (YoY): 0.86%

(Tier: 0.88%, National: 9.37%)

worse than tier avg

521 of 1077 Community CUs have this signature | 624 nationally

↓ Shrinking -113 CUs YoY | Rank improving

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 1077 peers in tier

Top Strengths (7 metrics)

Total Deposits

balance_sheet

Value: $375.31M

Peer Avg: -

#66 of 1077 Top 6.0% in 100M-500M tier

Total Assets

balance_sheet

Value: $430.00M

Peer Avg: -

#73 of 1077 Top 6.7% in 100M-500M tier

Total Members

engagement

Value: 29,607

Peer Avg: -

#84 of 1077 Top 7.7% in 100M-500M tier

127

Deposit Growth Rate

growth

Value: 9.89%

Peer Avg: -

#127 of 1077 Top 11.7% in 100M-500M tier

169

Total Delinquency Rate (60+ days)

risk

Value: 0.26%

Peer Avg: -

#169 of 1077 Top 15.6% in 100M-500M tier

195

Net Charge-Off Rate

risk

Value: 0.12%

Peer Avg: -

#195 of 1077 Top 18.0% in 100M-500M tier

209

Asset Growth Rate

growth

Value: 8.03%

Peer Avg: -

#209 of 1077 Top 19.3% in 100M-500M tier

Top Weaknesses (5 metrics)

987

Loan-to-Share Ratio

balance_sheet

Value: 47.48%

Peer Avg: -

#987 of 1077 Bottom 8.4% in 100M-500M tier

927

Loan-to-Member Ratio (LMR)

engagement

Value: $6,019

Peer Avg: -

#927 of 1077 Bottom 14.0% in 100M-500M tier

836

Net Interest Margin (NIM)

profitability

Value: 3.08%

Peer Avg: -

#836 of 1077 Bottom 22.5% in 100M-500M tier

828

Loan Growth Rate

growth

Value: -2.48%

Peer Avg: -

#828 of 1077 Bottom 23.2% in 100M-500M tier

821

First Mortgage Concentration (%)

balance_sheet

Value: 42.44%

Peer Avg: -

#821 of 1077 Bottom 23.9% in 100M-500M tier