BlastPoint's Credit Union Scorecard

GARDEN ISLAND

Charter #24796 · HI

100M-500M

1070 CUs in 100M-500M nationally 15 in HI

GARDEN ISLAND has 1 strength but faces 8 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

+ Net Interest Margin 0.06% above tier average

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Indirect Auto Dependency: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- ROA 0.46% below tier average
- Efficiency ratio 3.96% above tier (higher cost structure)
- Delinquency rate 0.40% above tier average
- Fee Income Per Member: Bottom 7.9% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (HI)	National Avg	Tier Percentile
Members	7,279 +1.8% YoY-0.2% QoQ	-7.9K	15,145 -2.5% YoY	19,510 +0.1% YoY	33,913 +5.7% YoY	Bottom 13.3% in tier
Assets	$125.7M +5.1% YoY+2.3% QoQ	$-106.0M	$231.7M +0.8% YoY	$385.1M +5.4% YoY	$578.3M +9.0% YoY	17%
Loans	$62.8M +9.4% YoY-1.2% QoQ	$-81.4M	$144.1M +0.2% YoY	$193.9M +4.9% YoY	$402.4M +8.7% YoY	Bottom 12.5% in tier
Deposits	$108.9M +5.1% YoY+2.6% QoQ	$-92.2M	$201.1M +0.4% YoY	$341.1M +4.6% YoY	$494.3M +9.1% YoY	17%

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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	0.3% -19.7% YoY-35.6% QoQ	-0.5%	0.7% +5.1% YoY	0.8% -0.9% YoY	0.4% -39.2% YoY	20%
NIM	3.7% +2.1% YoY-0.7% QoQ	+0.1%	3.6% +4.6% YoY	3.2% +6.8% YoY	3.8% +4.1% YoY	55%
Efficiency Ratio	82.0% -1.0% YoY+0.8% QoQ	+4.0%	78.0% -1.7% YoY	73.4% -3.4% YoY	84.6% +2.8% YoY	62%
Delinquency Rate	1.2% +36.3% YoY+12.8% QoQ	+0.4	0.8% +7.1% YoY	1.1% +17.2% YoY	1.2% +3.4% YoY	83%
Loan To Share	57.7% +4.1% YoY-3.7% QoQ	-12.8%	70.4% -0.4% YoY	53.2% -3.6% YoY	65.6% -1.4% YoY	22%
AMR	$23,586 +4.8% YoY+1.4% QoQ	$-1K	$24,918 +2.7% YoY	$23,509 +4.4% YoY	$19,920 +1.6% YoY	54%
CD Concentration	24.0% +9.1% YoY+7.5% QoQ	-0.3%	24.3%	24.4%	19.8%	50%
Indirect Auto %	30.6% +8.3% YoY+4.3% QoQ	+16.8%	13.8%	4.9%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (4)

Credit Risk Growth

risk

#74 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): 9.43%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 0.31% points

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

worse than tier avg

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

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

Credit Quality Pressure

risk

#218 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): 0.31% points

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

worse than tier avg

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

↓ Shrinking -60 CUs YoY | New qualifier

Indirect Auto Dependency

risk

#219 of 504 • Bottom 50.0% in tier

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

Why This Signature

Asset Growth (YoY): 5.07%

(Tier: 4.68%, National: 1663.40%)

but better than tier avg

Indirect Auto %: 30.61%

(Tier: 13.80%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 1.76%

(Tier: 0.72%, National: 10.19%)

but better than tier avg

504 of 1070 Mid-Small & Community CUs have this signature | 745 nationally

↓ Shrinking -29 CUs YoY | Rank improving

Efficiency Drag

risk

#283 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: 81.98%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.07% points

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

worse than tier avg

Member Growth (YoY): 1.76%

(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 | 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 1070 peers in tier

Top Strengths (2 metrics)

206

Loan Growth Rate

growth

Value: 9.43%

Peer Median: 2.93%

#206 of 1070 Top 19.2% in 100M-500M tier

255

Net Worth Ratio

risk

Value: 13.65%

Peer Median: 11.45%

#255 of 1070 Top 23.7% in 100M-500M tier

Top Weaknesses (10 metrics)

986

Fee Income Per Member

profitability

Value: $72.89

Peer Median: $154.95

#986 of 1070 Bottom 7.9% in 100M-500M tier

936

Total Loans

balance_sheet

Value: $62.79M

Peer Median: $121.41M

#936 of 1070 Bottom 12.6% in 100M-500M tier

928

Total Members

engagement

Value: 7,279

Peer Median: 13,200

#928 of 1070 Bottom 13.4% in 100M-500M tier

911

Indirect Auto Concentration (%)

balance_sheet

Value: 30.61%

Peer Median: 6.61%

#911 of 1070 Bottom 15.0% in 100M-500M tier

892

Total Deposits

balance_sheet

Value: $108.90M

Peer Median: $171.29M

#892 of 1070 Bottom 16.7% in 100M-500M tier

891

Total Assets

balance_sheet

Value: $125.70M

Peer Median: $196.57M

#891 of 1070 Bottom 16.8% in 100M-500M tier

886

Total Delinquency Rate (60+ days)

risk

Value: 1.18%

Peer Median: 0.61%

#886 of 1070 Bottom 17.3% in 100M-500M tier

855

Return on Assets (ROA)

profitability

Value: 0.27%

Peer Median: 0.69%

#855 of 1070 Bottom 20.2% in 100M-500M tier

832

Loan-to-Share Ratio

balance_sheet

Value: 57.66%

Peer Median: 71.88%

#832 of 1070 Bottom 22.3% in 100M-500M tier

819

Net Charge-Off Rate

risk

Value: 0.67%

Peer Median: 0.35%

#819 of 1070 Bottom 23.6% in 100M-500M tier