BlastPoint's Credit Union Scorecard
HAWAII CENTRAL
Charter #24839 · HI
HAWAII CENTRAL has 1 strength but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 0.5% in tier
- - Stagnation Risk: Bottom 15.9% in tier
- - Membership Headwinds: Bottom 25.7% in tier
- - ROA 0.03% below tier average
- - Delinquency rate 1.25% above tier average
- - Net Interest Margin (NIM): Bottom 4.1% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
16,213
-1.3% YoY-0.1% QoQ
|
+584 |
15,628
-3.4% YoY
|
19,538
+4.7% YoY
|
33,089
+6.1% YoY
|
62% |
| Assets |
$296.1M
-1.4% YoY-1.1% QoQ
|
+$64.8M |
$231.3M
-0.0% YoY
|
$371.1M
+11.7% YoY
|
$547.7M
+7.8% YoY
|
72% |
| Loans |
$170.8M
-0.4% YoY+4.6% QoQ
|
+$23.0M |
$147.8M
-1.4% YoY
|
$190.1M
+8.2% YoY
|
$388.7M
+8.6% YoY
|
67% |
| Deposits |
$273.5M
+1.6% YoY-2.1% QoQ
|
+$73.2M |
$200.3M
-0.0% YoY
|
$328.7M
+11.9% YoY
|
$464.6M
+9.3% YoY
|
76% |
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| ROA |
0.8%
+293.1% YoY+63.1% QoQ
|
-0.0% |
0.8%
+15.5% YoY
|
0.8%
+109.8% YoY
|
0.7%
+273.4% YoY
|
49% |
| NIM |
2.3%
+15.5% YoY+0.7% QoQ
|
-1.3% |
3.6%
+6.9% YoY
|
3.1%
+10.9% YoY
|
3.7%
+5.0% YoY
|
Bottom 4.0% in tier |
| Efficiency Ratio |
76.2%
-7.4% YoY-8.9% QoQ
|
-1.1% |
77.3%
-3.0% YoY
|
73.4%
-6.7% YoY
|
79.1%
-3.3% YoY
|
47% |
| Delinquency Rate |
2.1%
+455.3% YoY+445.5% QoQ
|
+1.3 |
0.9%
+7.6% YoY
|
1.2%
-0.3% YoY
|
1.2%
-0.9% YoY
|
Top 5.4% in tier |
| Loan To Share |
62.5%
-1.9% YoY+6.8% QoQ
|
-10.2% |
72.7%
-1.5% YoY
|
55.2%
-1.0% YoY
|
68.0%
-1.7% YoY
|
27% |
| AMR |
$27,402
+2.2% YoY+0.4% QoQ
|
+$3K |
$24,363
+2.9% YoY
|
$22,988
+5.6% YoY
|
$19,418
+1.3% YoY
|
74% |
| CD Concentration |
27.0%
+1.6% YoY-9.0% QoQ
|
+2.6% |
24.4%
+4.2% YoY
|
23.5%
+10.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
0.0%
-100.0% YoY-100.0% QoQ
|
-14.0% |
14.0%
-5.7% YoY
|
5.1%
-6.8% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
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)