BlastPoint's Credit Union Scorecard

HAWAII CENTRAL

Charter #24839 · HI

100M-500M

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

HAWAII CENTRAL has 2 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
+ Members Per Employee (MPE): Top 9.3% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- ROA 0.10% below tier average
- Delinquency rate 0.45% above tier average
- Net Interest Margin (NIM): Bottom 4.2% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (HI)	National Avg	Tier Percentile
Members	16,294 +0.4% YoY-0.3% QoQ	+1.1K	15,145 -2.5% YoY	19,510 +0.1% YoY	33,913 +5.7% YoY	64%
Assets	$311.3M +6.7% YoY+3.8% QoQ	+$79.6M	$231.7M +0.8% YoY	$385.1M +5.4% YoY	$578.3M +9.0% YoY	75%
Loans	$175.0M +4.9% YoY-2.0% QoQ	+$30.9M	$144.1M +0.2% YoY	$193.9M +4.9% YoY	$402.4M +8.7% YoY	70%
Deposits	$287.4M +5.7% YoY+4.0% QoQ	+$86.3M	$201.1M +0.4% YoY	$341.1M +4.6% YoY	$494.3M +9.1% YoY	79%

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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	0.6% +22.3% YoY+3.7% QoQ	-0.1%	0.7% +5.1% YoY	0.8% -0.9% YoY	0.4% -39.2% YoY	45%
NIM	2.5% +5.5% YoY+6.1% QoQ	-1.2%	3.6% +4.6% YoY	3.2% +6.8% YoY	3.8% +4.1% YoY	Bottom 4.1% in tier
Efficiency Ratio	74.0% -9.6% YoY-6.2% QoQ	-4.1%	78.0% -1.7% YoY	73.4% -3.4% YoY	84.6% +2.8% YoY	34%
Delinquency Rate	1.2% +980.6% YoY-5.2% QoQ	+0.4	0.8% +7.1% YoY	1.1% +17.2% YoY	1.2% +3.4% YoY	84%
Loan To Share	60.9% -0.8% YoY-5.7% QoQ	-9.5%	70.4% -0.4% YoY	53.2% -3.6% YoY	65.6% -1.4% YoY	29%
AMR	$28,382 +5.0% YoY+1.9% QoQ	+$3K	$24,918 +2.7% YoY	$23,509 +4.4% YoY	$19,920 +1.6% YoY	76%
CD Concentration	29.3% +11.7% YoY-2.7% QoQ	+5.0%	24.3%	24.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	4.9%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#484 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): 5.03%

(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

Concerns (2)

Credit Quality Pressure

risk

#19 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): 1.11% 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

Credit Risk Growth

risk

#93 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): 4.86%

(Tier: 4.14%, National: 1.74%)

but better than tier avg

Delinquency Change (YoY): 1.11% 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

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 (4 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.61%

#1 of 1070 Top 0.1% in 100M-500M tier

101

Members Per Employee (MPE)

engagement

Value: 465.543

Peer Median: 309.176

#101 of 1070 Top 9.3% in 100M-500M tier

227

Total Deposits

balance_sheet

Value: $287.41M

Peer Median: $171.29M

#227 of 1070 Top 21.1% in 100M-500M tier

260

Average Member Relationship (AMR)

engagement

Value: $28,382

Peer Median: $22,931

#260 of 1070 Top 24.2% in 100M-500M tier

Top Weaknesses (5 metrics)

1026

Net Interest Margin (NIM)

profitability

Value: 2.47%

Peer Median: 3.62%

#1026 of 1070 Bottom 4.2% in 100M-500M tier

897

Total Delinquency Rate (60+ days)

risk

Value: 1.22%

Peer Median: 0.61%

#897 of 1070 Bottom 16.3% in 100M-500M tier

854

Fee Income Per Member

profitability

Value: $102.47

Peer Median: $154.95

#854 of 1070 Bottom 20.3% in 100M-500M tier

840

First Mortgage Concentration (%)

balance_sheet

Value: 43.93%

Peer Median: 29.47%

#840 of 1070 Bottom 21.6% in 100M-500M tier

812

Net Worth Ratio

risk

Value: 9.70%

Peer Median: 11.45%

#812 of 1070 Bottom 24.2% in 100M-500M tier