BlastPoint's Credit Union Scorecard
GARDEN ISLAND
Charter #24796 · HI
GARDEN ISLAND has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% 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 50.0% in tier
- - Efficiency Drag: Bottom 50.0% 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% |
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| 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 (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Indirect Auto Dependency
riskSignificant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)