HAWAII CENTRAL

Charter #24839 | HI

100M-500M (1077 CUs) Micro
14 100M-500M in HI

HAWAII CENTRAL has 3 strengths but faces 7 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 30.2% in tier
  • + Relationship Depth Leader: Top 32.0% in tier
  • + 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
 62nd in tier
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
 72nd in tier
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
 67th in tier
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
 Top 23.7% in tier
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
 49th in tier
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
 47th in tier
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
 27th in tier
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
 74th in tier
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
 50th in tier
Indirect Auto % 0.0%
-100.0% YoY-100.0% QoQ
 -14.0% 14.0%
-5.8% YoY
 5.1%
-6.8% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Wallet Share Momentum

growth
#833 of 1006 • Top 30.2% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 2.15%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Relationship Depth Leader

growth
#884 of 1006 • Top 32.0% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 2.15%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $2.3K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | New qualifier

Concerns (3)

Credit Quality Pressure

risk
#13 of 736 • Bottom 0.5% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature
Delinquency Change (YoY): 1.73% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

Stagnation Risk

risk
#262 of 550 • Bottom 15.9% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 0.76%
(Tier: 0.77%, National: 0.71%)
worse than tier avg
Member Growth (YoY): -1.31%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $27.4K
(Tier: $25.0K, National: $19.4K)
but better than tier avg
CD Concentration: 26.99%
(Tier: 24.41%, National: 19.60%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Membership Headwinds

decline
#423 of 550 • Bottom 25.7% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -1.31%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

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)

Comparing against 1077 peers in tier

Top Strengths (4 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
158
Members Per Employee (MPE)
engagement
Value: 426.658
Peer Avg: 332.881
#158 of 1077 Top 14.6% in 100M-500M tier
250
Net Charge-Off Rate
risk
Value: 0.15%
Peer Avg: 0.47%
#250 of 1077 Top 23.1% in 100M-500M tier
255
Total Deposits
balance_sheet
Value: $273.45M
Peer Avg: $200.29M
#255 of 1077 Top 23.6% in 100M-500M tier

Top Weaknesses (4 metrics)

1034
Net Interest Margin (NIM)
profitability
Value: 2.31%
Peer Avg: 3.58%
#1034 of 1077 Bottom 4.1% in 100M-500M tier
1020
Total Delinquency Rate (60+ days)
risk
Value: 2.11%
Peer Avg: 0.86%
#1020 of 1077 Bottom 5.4% in 100M-500M tier
943
Asset Growth Rate
growth
Value: -1.40%
Peer Avg: 4.70%
#943 of 1077 Bottom 12.5% in 100M-500M tier
844
First Mortgage Concentration (%)
balance_sheet
Value: 44.06%
Peer Avg: 30.43%
#844 of 1077 Bottom 21.7% in 100M-500M tier