BlastPoint's Credit Union Scorecard
HAWAII CENTRAL
Charter #24839 · HI
HAWAII CENTRAL has 1 strength but faces 6 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 8.1% in tier
- - Credit Risk Growth: Bottom 19.1% in tier
- - ROA 0.15% below tier average
- - Efficiency ratio 1.80% above tier (higher cost structure)
- - Delinquency rate 0.39% above tier average
- - Net Interest Margin (NIM): Bottom 3.9% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
16,339
+0.1% YoY+0.8% QoQ
|
+901 |
15,437
-2.9% YoY
|
19,461
+2.6% YoY
|
33,374
+5.7% YoY
|
63% |
| Assets |
$299.8M
+2.1% YoY+1.2% QoQ
|
+$67.9M |
$231.9M
+1.3% YoY
|
$378.0M
+8.3% YoY
|
$561.6M
+9.7% YoY
|
73% |
| Loans |
$178.5M
+5.5% YoY+4.5% QoQ
|
+$31.2M |
$147.3M
-0.1% YoY
|
$192.6M
+6.6% YoY
|
$397.0M
+8.8% YoY
|
70% |
| Deposits |
$276.4M
+3.2% YoY+1.1% QoQ
|
+$75.6M |
$200.8M
+0.8% YoY
|
$334.4M
+8.0% YoY
|
$477.3M
+9.7% YoY
|
77% |
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| ROA |
0.6%
+574.3% YoY-19.7% QoQ
|
-0.2% |
0.8%
+18.2% YoY
|
0.8%
+46.9% YoY
|
0.7%
+15.9% YoY
|
39% |
| NIM |
2.3%
+13.9% YoY+1.1% QoQ
|
-1.3% |
3.6%
+6.7% YoY
|
3.1%
+6.7% YoY
|
3.8%
+5.1% YoY
|
Bottom 3.8% in tier |
| Efficiency Ratio |
78.8%
-4.3% YoY+3.5% QoQ
|
+1.8% |
77.0%
-3.1% YoY
|
73.8%
-6.9% YoY
|
79.7%
-3.3% YoY
|
55% |
| Delinquency Rate |
1.3%
+175.5% YoY-39.0% QoQ
|
+0.4 |
0.9%
+4.2% YoY
|
1.2%
-2.0% YoY
|
1.3%
-2.1% YoY
|
81% |
| Loan To Share |
64.6%
+2.3% YoY+3.4% QoQ
|
-7.6% |
72.2%
-1.1% YoY
|
54.4%
-2.4% YoY
|
67.4%
-1.7% YoY
|
31% |
| AMR |
$27,845
+4.0% YoY+1.6% QoQ
|
+$3K |
$24,676
+3.4% YoY
|
$23,250
+4.8% YoY
|
$19,687
+2.0% YoY
|
75% |
| CD Concentration |
30.1%
+13.5% YoY+11.5% QoQ
|
+5.7% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % |
0.0%
-100.0% YoY
|
-13.8% | 13.8% | 5.0% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)