BlastPoint's Credit Union Scorecard
HAWAII CENTRAL
Charter #24839 · HI
HAWAII CENTRAL faces 5 concerns requiring attention
Key Strengths
Areas where this CU excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 50.0% in tier
- - Credit Quality Pressure: Bottom 50.0% in tier
- - ROA 0.07% below tier average
- - Delinquency rate 0.55% above tier average
- - Net Interest Margin (NIM): Bottom 5.3% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 15 that size in Hawaii.
- Shares and deposits +1.4% year over year ($283M in shares and deposits).
- Membership: 16,211 members, -0.1% vs a year ago.
- Delinquency rate 1.43%.
- Return on assets 0.79%.
- Efficiency ratio 71.06% vs a 76.73% peer average.
- Loan-to-share ratio 62.92% vs a 71.54% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
16,211
-0.1% YoY-0.5% QoQ
|
+1.0K |
15,168
-2.6% YoY
|
19,590
+0.5% YoY
|
34,678
+6.6% YoY
|
64% |
| Assets |
$307.6M
+2.8% YoY-1.2% QoQ
|
+$75.6M |
$232.0M
+0.7% YoY
|
$386.0M
+4.8% YoY
|
$593.1M
+10.2% YoY
|
74% |
| Loans |
$178.3M
+9.1% YoY+1.8% QoQ
|
+$32.0M |
$146.3M
+0.2% YoY
|
$197.3M
+5.5% YoY
|
$418.6M
+10.1% YoY
|
70% |
| Deposits |
$283.3M
+1.4% YoY-1.4% QoQ
|
+$82.6M |
$200.7M
+0.2% YoY
|
$341.6M
+4.3% YoY
|
$504.8M
+10.3% YoY
|
78% |
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| ROA |
0.8%
+70.8% YoY+25.7% QoQ
|
-0.1% |
0.9%
+12.5% YoY
|
1.0%
+38.1% YoY
|
1.2%
+121.4% YoY
|
52% |
| NIM |
2.6%
+14.3% YoY+5.8% QoQ
|
-1.1% |
3.7%
+4.5% YoY
|
3.2%
+7.0% YoY
|
3.8%
+2.3% YoY
|
Bottom 5.2% in tier |
| Efficiency Ratio |
71.1%
-15.0% YoY-3.9% QoQ
|
-5.7% |
76.7%
-0.8% YoY
|
73.0%
-3.2% YoY
|
83.0%
-5.3% YoY
|
29% |
| Delinquency Rate |
1.4%
+270.4% YoY+17.4% QoQ
|
+0.6 |
0.9%
+6.6% YoY
|
1.3%
-1.1% YoY
|
1.3%
+2.6% YoY
|
84% |
| Loan To Share |
62.9%
+7.6% YoY+3.3% QoQ
|
-8.6% |
71.5%
-0.3% YoY
|
53.4%
-3.2% YoY
|
66.4%
-1.4% YoY
|
30% |
| AMR |
$28,472
+4.3% YoY+0.3% QoQ
|
+$3K |
$25,107
+3.2% YoY
|
$23,604
+3.8% YoY
|
$20,028
-0.9% YoY
|
75% |
| CD Concentration |
27.8%
-6.2% YoY-4.9% QoQ
|
+3.3% | 24.6% | 25.0% | 20.0% | 50% |
| Indirect Auto % | 0.1% | -13.5% | 13.6% | 4.8% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (2)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
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)