BlastPoint's Credit Union Scorecard
GARDEN ISLAND
Charter #24796 · HI
GARDEN ISLAND has 3 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 40.4% in tier
- + Net Interest Margin 0.12% above tier average
- + Loan Growth Rate: Top 5.8% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 8.3% in tier
- - Indirect Auto Dependency: Bottom 16.4% in tier
- - ROA 0.40% below tier average
- - Efficiency ratio 5.08% above tier (higher cost structure)
- - Fee Income Per Member: Bottom 8.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,221
+0.1% YoY+0.7% QoQ
|
-8.4K |
15,628
-3.4% YoY
|
19,538
+4.7% YoY
|
33,089
+6.1% YoY
|
Bottom 12.0% in tier |
| Assets |
$121.1M
+3.9% YoY+1.2% QoQ
|
$-110.2M |
$231.3M
-0.0% YoY
|
$371.1M
+11.7% YoY
|
$547.7M
+7.8% YoY
|
Bottom 14.0% in tier |
| Loans |
$61.6M
+16.5% YoY+4.4% QoQ
|
$-86.2M |
$147.8M
-1.4% YoY
|
$190.1M
+8.2% YoY
|
$388.7M
+8.6% YoY
|
Bottom 10.6% in tier |
| Deposits |
$104.6M
+4.0% YoY+1.0% QoQ
|
$-95.7M |
$200.3M
-0.0% YoY
|
$328.7M
+11.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 14.1% in tier |
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| ROA |
0.4%
+22.8% YoY+15.0% QoQ
|
-0.4% |
0.8%
+15.5% YoY
|
0.8%
+109.8% YoY
|
0.7%
+273.4% YoY
|
24% |
| NIM |
3.7%
+8.7% YoY+2.0% QoQ
|
+0.1% |
3.6%
+6.9% YoY
|
3.1%
+10.9% YoY
|
3.7%
+5.0% YoY
|
57% |
| Efficiency Ratio |
82.4%
+2.1% YoY-0.7% QoQ
|
+5.1% |
77.3%
-3.0% YoY
|
73.4%
-6.7% YoY
|
79.1%
-3.3% YoY
|
68% |
| Delinquency Rate |
0.7%
-23.0% YoY-3.6% QoQ
|
-0.2 |
0.9%
+7.6% YoY
|
1.2%
-0.3% YoY
|
1.2%
-0.9% YoY
|
48% |
| Loan To Share |
58.9%
+12.0% YoY+3.4% QoQ
|
-13.8% |
72.7%
-1.5% YoY
|
55.2%
-1.0% YoY
|
68.0%
-1.7% YoY
|
20% |
| AMR |
$23,011
+8.2% YoY+1.5% QoQ
|
$-1K |
$24,363
+2.9% YoY
|
$22,988
+5.6% YoY
|
$19,418
+1.3% YoY
|
53% |
| CD Concentration |
21.7%
+6.3% YoY+1.8% QoQ
|
-2.7% |
24.4%
+4.2% YoY
|
23.5%
+10.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
28.6%
-3.0% YoY+2.1% QoQ
|
+14.6% |
14.0%
-5.7% YoY
|
5.1%
-6.8% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
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)