BlastPoint's Credit Union Scorecard

CU HAWAII

Charter #24630 · HI

100M-500M

1070 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
+ Loan Growth Rate: Top 2.2% in tier
+ Total Deposits: Top 3.9% in tier
+ Total Assets: Top 4.4% in tier
+ AMR Growth Rate: Top 4.9% in tier
+ Total Members: Top 6.8% 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 0.32% below tier average
- Efficiency ratio 2.60% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (HI)	National Avg	Tier Percentile
Members	29,596 +1.1% YoY+0.7% QoQ	+14.5K	15,145 -2.5% YoY	19,510 +0.1% YoY	33,913 +5.7% YoY	Top 6.9% in tier
Assets	$453.2M +7.8% YoY+3.1% QoQ	+$221.5M	$231.7M +0.8% YoY	$385.1M +5.4% YoY	$578.3M +9.0% YoY	Top 4.5% in tier
Loans	$218.1M +23.6% YoY+8.9% QoQ	+$73.9M	$144.1M +0.2% YoY	$193.9M +4.9% YoY	$402.4M +8.7% YoY	81%
Deposits	$397.6M +9.7% YoY+3.6% QoQ	+$196.5M	$201.1M +0.4% YoY	$341.1M +4.6% YoY	$494.3M +9.1% YoY	Top 4.0% 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	0.4% -51.7% YoY-28.5% QoQ	-0.3%	0.7% +5.1% YoY	0.8% -0.9% YoY	0.4% -39.2% YoY	30%
NIM	3.1% +0.3% YoY+1.7% QoQ	-0.5%	3.6% +4.6% YoY	3.2% +6.8% YoY	3.8% +4.1% YoY	20%
Efficiency Ratio	80.6% +2.2% YoY-1.9% QoQ	+2.6%	78.0% -1.7% YoY	73.4% -3.4% YoY	84.6% +2.8% YoY	58%
Delinquency Rate	0.2% +11.2% YoY-58.0% QoQ	-0.6	0.8% +7.1% YoY	1.1% +17.2% YoY	1.2% +3.4% YoY	Top 13.4% in tier
Loan To Share	54.8% +12.7% YoY+5.1% QoQ	-15.6%	70.4% -0.4% YoY	53.2% -3.6% YoY	65.6% -1.4% YoY	18%
AMR	$20,802 +13.0% YoY+4.7% QoQ	$-4K	$24,918 +2.7% YoY	$23,509 +4.4% YoY	$19,920 +1.6% YoY	37%
CD Concentration	20.7% +23.8% YoY+5.7% QoQ	-3.5%	24.3%	24.4%	19.8%	50%
Indirect Auto %	10.0% -18.4% YoY-21.0% QoQ	-3.8%	13.8%	4.9%	7.7%	50%

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth

#68 of 491 • 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): 13.04%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | New qualifier

Organic Growth Leader

growth

#308 of 371 • 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): 1.05%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Indirect Auto %: 9.98%

(Tier: 13.80%, National: 7.73%)

better than tier avg

371 of 1070 Mid-Small & Community CUs have this signature | 518 nationally

→ No prior data (371 CUs now) | New qualifier

Organic Growth Engine

growth

#344 of 352 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.05%

(Tier: 0.72%, National: 10.19%)

better than tier avg

Return on Assets: 0.41%

(Tier: 0.72%, National: 0.39%)

but worse than tier avg

Indirect Auto %: 9.98%

(Tier: 13.80%, National: 7.73%)

better than tier avg

352 of 1070 Mid-Small & Community CUs have this signature | 499 nationally

→ No prior data (352 CUs now) | New qualifier

Concerns (3)

Credit Risk Growth

risk

#204 of 476 • 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): 23.59%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.02% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Efficiency Drag

risk

#496 of 596 • 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: 80.63%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.44% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): 1.05%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | New qualifier

Credit Quality Pressure

risk

#662 of 727 • 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): 0.02% points

(Tier: 0.03% points, National: 0.12% points)

but better than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 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 1070 peers in tier

Top Strengths (9 metrics)

Loan Growth Rate

growth

Value: 23.59%

Peer Median: 2.93%

#25 of 1070 Top 2.2% in 100M-500M tier

Total Deposits

balance_sheet

Value: $397.59M

Peer Median: $171.29M

#43 of 1070 Top 3.9% in 100M-500M tier

Total Assets

balance_sheet

Value: $453.17M

Peer Median: $196.57M

#48 of 1070 Top 4.4% in 100M-500M tier

AMR Growth Rate

growth

Value: 13.04%

Peer Median: 3.46%

#53 of 1070 Top 4.9% in 100M-500M tier

Total Members

engagement

Value: 29,596

Peer Median: 13,200

#74 of 1070 Top 6.8% in 100M-500M tier

112

Deposit Growth Rate

growth

Value: 9.67%

Peer Median: 3.30%

#112 of 1070 Top 10.4% in 100M-500M tier

144

Total Delinquency Rate (60+ days)

risk

Value: 0.20%

Peer Median: 0.61%

#144 of 1070 Top 13.4% in 100M-500M tier

200

Total Loans

balance_sheet

Value: $218.06M

Peer Median: $121.41M

#200 of 1070 Top 18.6% in 100M-500M tier

212

Asset Growth Rate

growth

Value: 7.77%

Peer Median: 3.91%

#212 of 1070 Top 19.7% in 100M-500M tier

Top Weaknesses (2 metrics)

881

Loan-to-Share Ratio

balance_sheet

Value: 54.85%

Peer Median: 71.88%

#881 of 1070 Bottom 17.8% in 100M-500M tier

856

Net Interest Margin (NIM)

profitability

Value: 3.10%

Peer Median: 3.62%

#856 of 1070 Bottom 20.1% in 100M-500M tier