BlastPoint's Credit Union Scorecard

GARDEN ISLAND

Charter #24796 · HI

1069 CUs in 100M-500M nationally 14 in HI

GARDEN ISLAND has 4 strengths but faces 6 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 27.7% in tier
+ Organic Growth Engine: Top 98.0% in tier
+ Net Interest Margin 0.12% above tier average
+ Loan Growth Rate: Top 3.1% in tier

Key Concerns

Areas that may need attention

- Indirect Auto Dependency: Bottom 39.6% in tier
- Efficiency Drag: Bottom 46.9% in tier
- ROA 0.35% below tier average
- Efficiency ratio 4.33% above tier (higher cost structure)
- Delinquency rate 0.15% above tier average
- Fee Income Per Member: Bottom 8.0% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (HI)	National Avg	Tier Percentile
Members	7,291 +1.0% YoY+1.0% QoQ	-8.1K	15,437 -2.9% YoY	19,461 +2.6% YoY	33,374 +5.7% YoY	Bottom 12.9% in tier
Assets	$122.8M +6.1% YoY+1.4% QoQ	$-109.0M	$231.9M +1.3% YoY	$378.0M +8.3% YoY	$561.6M +9.7% YoY	15%
Loans	$63.5M +21.3% YoY+3.2% QoQ	$-83.8M	$147.3M -0.1% YoY	$192.6M +6.6% YoY	$397.0M +8.8% YoY	Bottom 11.9% in tier
Deposits	$106.1M +5.9% YoY+1.4% QoQ	$-94.7M	$200.8M +0.8% YoY	$334.4M +8.0% YoY	$477.3M +9.7% YoY	15%

See Your Full Scorecard

Unlock complete metrics, rankings, and AI-powered insights — always free

Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

Want to see an example first? Preview Navy Federal's scorecard →

ROA	0.4% +27.6% YoY+7.4% QoQ	-0.3%	0.8% +18.2% YoY	0.8% +46.9% YoY	0.7% +15.9% YoY	25%
NIM	3.7% +7.0% YoY+0.5% QoQ	+0.1%	3.6% +6.7% YoY	3.1% +6.7% YoY	3.8% +5.1% YoY	56%
Efficiency Ratio	81.3% +1.3% YoY-1.2% QoQ	+4.3%	77.0% -3.1% YoY	73.8% -6.9% YoY	79.7% -3.3% YoY	65%
Delinquency Rate	1.0% -3.6% YoY+59.4% QoQ	+0.2	0.9% +4.2% YoY	1.2% -2.0% YoY	1.3% -2.1% YoY	71%
Loan To Share	59.9% +14.6% YoY+1.7% QoQ	-12.3%	72.2% -1.1% YoY	54.4% -2.4% YoY	67.4% -1.7% YoY	23%
AMR	$23,267 +10.1% YoY+1.1% QoQ	$-1K	$24,676 +3.4% YoY	$23,250 +4.8% YoY	$19,687 +2.0% YoY	53%
CD Concentration	22.3% +10.1% YoY+3.1% QoQ	-2.1%	24.4%	24.1%	19.8%	50%
Indirect Auto %	29.4% -1.2% YoY+2.7% QoQ	+15.6%	13.8%	5.0%	7.8%	50%

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth

#143 of 513 • Top 27.7% in tier

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

Why This Signature

AMR Growth (YoY): 10.08%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Organic Growth Engine

growth

#583 of 595 • Top 98.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 1.03%

(Tier: 0.69%, National: 4.32%)

better than tier avg

Return on Assets: 0.41%

(Tier: 0.75%, National: 0.67%)

but worse than tier avg

Indirect Auto %: 29.36%

(Tier: 13.79%, National: 7.78%)

but worse than tier avg

595 of 1069 Mid-Small & Community CUs have this signature | 913 nationally

→ No prior data (595 CUs now) | New qualifier

Concerns (2)

Indirect Auto Dependency

risk

#201 of 506 • Bottom 39.6% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 6.08%

(Tier: 5.37%, National: 3.54%)

but better than tier avg

Indirect Auto %: 29.36%

(Tier: 13.79%, National: 7.78%)

worse than tier avg

Member Growth (YoY): 1.03%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

506 of 1069 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -35 CUs YoY | Rank improving

Efficiency Drag

risk

#253 of 538 • Bottom 46.9% in tier

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

Why This Signature

Efficiency Ratio: 81.34%

(Tier: 76.88%, National: 79.67%)

worse than tier avg

ROA Change (YoY): 0.09% points

(Tier: 0.11% points, National: 0.02% points)

worse than tier avg

Member Growth (YoY): 1.03%

(Tier: 0.69%, National: 4.32%)

but better than tier avg

538 of 1069 Mid-Small & Community CUs have this signature | 633 nationally

↓ Shrinking -98 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 1069 peers in tier

Top Strengths (3 metrics)

Loan Growth Rate

growth

Value: 21.35%

Peer Median: -

#34 of 1069 Top 3.1% in 100M-500M tier

116

AMR Growth Rate

growth

Value: 10.08%

Peer Median: -

#116 of 1069 Top 10.8% in 100M-500M tier

243

Net Worth Ratio

risk

Value: 13.90%

Peer Median: -

#243 of 1069 Top 22.6% in 100M-500M tier

Top Weaknesses (8 metrics)

985

Fee Income Per Member

profitability

Value: $84.21

Peer Median: -

#985 of 1069 Bottom 8.0% in 100M-500M tier

942

Total Loans

balance_sheet

Value: $63.54M

Peer Median: -

#942 of 1069 Bottom 12.0% in 100M-500M tier

931

Total Members

engagement

Value: 7,291

Peer Median: -

#931 of 1069 Bottom 13.0% in 100M-500M tier

906

Total Assets

balance_sheet

Value: $122.83M

Peer Median: -

#906 of 1069 Bottom 15.3% in 100M-500M tier

905

Total Deposits

balance_sheet

Value: $106.10M

Peer Median: -

#905 of 1069 Bottom 15.4% in 100M-500M tier

896

Indirect Auto Concentration (%)

balance_sheet

Value: 29.36%

Peer Median: -

#896 of 1069 Bottom 16.3% in 100M-500M tier

823

Loan-to-Share Ratio

balance_sheet

Value: 59.88%

Peer Median: -

#823 of 1069 Bottom 23.1% in 100M-500M tier

808

Net Charge-Off Rate

risk

Value: 0.63%

Peer Median: -

#808 of 1069 Bottom 24.5% in 100M-500M tier