MAUI

Charter #2562 | HI

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

MAUI has 6 strengths but faces 10 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Emerging Performer: Top 22.0% in tier
  • + Organic Growth Leader: Top 26.3% in tier
  • + Organic Growth Engine: Top 29.7% in tier
  • + Wallet Share Momentum: Top 30.0% in tier
  • + Relationship Depth Leader: Top 35.8% in tier
  • + Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

  • - Efficiency Drag: Bottom 3.0% in tier
  • - Liquidity Overhang: Bottom 4.0% in tier
  • - ROA 0.41% below tier average
  • - Efficiency ratio 9.58% above tier (higher cost structure)
  • - Delinquency rate 0.37% above tier average
  • - Loan-to-Share Ratio: Bottom 1.7% in tier
  • - Total Loans: Bottom 1.9% in tier
  • - Net Interest Margin (NIM): Bottom 4.3% in tier
  • - Loan-to-Member Ratio (LMR): Bottom 5.8% in tier
  • - Loan Growth Rate: Bottom 7.5% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (HI) National Avg Tier Percentile
Members 7,302
+1.2% YoY+0.1% QoQ
 -8.3K 15,628
-3.4% YoY
 19,538
+4.7% YoY
 33,089
+6.1% YoY
 Bottom 12.7% in tier
Assets $140.0M
+6.5% YoY+0.5% QoQ
 $-91.3M $231.3M
-0.0% YoY
 $371.1M
+11.7% YoY
 $547.7M
+7.8% YoY
 26th in tier
Loans $36.1M
-6.9% YoY-1.5% QoQ
 $-111.7M $147.8M
-1.4% YoY
 $190.1M
+8.2% YoY
 $388.7M
+8.6% YoY
 Bottom 1.9% in tier
Deposits $119.4M
+7.0% YoY+0.4% QoQ
 $-80.9M $200.3M
-0.0% YoY
 $328.7M
+11.9% YoY
 $464.6M
+9.3% YoY
 26th in tier
ROA 0.4%
+9.2% YoY-1.5% QoQ
 -0.4% 0.8%
+15.5% YoY
 0.8%
+109.8% YoY
 0.7%
+273.4% YoY
 Bottom 23.6% in tier
NIM 2.3%
+12.2% YoY+2.8% QoQ
 -1.3% 3.6%
+6.9% YoY
 3.1%
+10.9% YoY
 3.7%
+5.0% YoY
 Bottom 4.2% in tier
Efficiency Ratio 86.9%
-0.7% YoY+0.4% QoQ
 +9.6% 77.3%
-3.0% YoY
 73.4%
-6.7% YoY
 79.1%
-3.3% YoY
 Top 17.8% in tier
Delinquency Rate 1.2%
-0.5% YoY-21.9% QoQ
 +0.4 0.9%
+7.6% YoY
 1.2%
-0.3% YoY
 1.2%
-0.9% YoY
 Top 21.4% in tier
Loan To Share 30.2%
-13.0% YoY-1.9% QoQ
 -42.5% 72.7%
-1.5% YoY
 55.2%
-1.0% YoY
 68.0%
-1.7% YoY
 Bottom 1.6% in tier
AMR $21,290
+2.2% YoY-0.2% QoQ
 $-3K $24,363
+2.9% YoY
 $22,988
+5.6% YoY
 $19,418
+1.3% YoY
 44th in tier
CD Concentration 34.1%
+16.2% YoY+7.7% QoQ
 +9.7% 24.4%
+4.2% YoY
 23.5%
+10.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 5.1%
-6.8% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (5)

Emerging Performer

growth
#414 of 627 • Top 22.0% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 0.38%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Member Growth (YoY): 1.16%
(Tier: 0.88%, National: 9.37%)
better than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank improving

Organic Growth Leader

growth
#348 of 430 • Top 26.3% in tier

Attracting members without relying on indirect channels. Healthy, sustainable growth model.

Why This Signature
Member Growth (YoY): 1.16%
(Tier: 0.88%, National: 9.37%)
better than tier avg
430 of 1077 Community CUs have this signature | 608 nationally
↓ Shrinking -21 CUs YoY | New qualifier

Organic Growth Engine

growth
#545 of 603 • Top 29.7% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature
Member Growth (YoY): 1.16%
(Tier: 0.88%, National: 9.37%)
better than tier avg
Return on Assets: 0.38%
(Tier: 0.77%, National: 0.71%)
but worse than tier avg
Indirect Auto %: 0.00%
(Tier: 13.96%, National: 7.90%)
better than tier avg
603 of 1077 Community CUs have this signature | 917 nationally
→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Wallet Share Momentum

growth
#827 of 1006 • Top 30.0% in tier

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

Why This Signature
AMR Growth (YoY): 2.22%
(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
#986 of 1006 • Top 35.8% in tier

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

Why This Signature
AMR Growth (YoY): 2.22%
(Tier: 3.68%, National: 4.19%)
but worse than tier avg
Share Draft per Member: $1.3K
(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 (2)

Efficiency Drag

risk
#54 of 521 • Bottom 3.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature
Efficiency Ratio: 86.86%
(Tier: 77.15%, National: 79.10%)
worse than tier avg
ROA Change (YoY): 0.03% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Member Growth (YoY): 1.16%
(Tier: 0.88%, National: 9.37%)
but better than tier avg
521 of 1077 Community CUs have this signature | 624 nationally
↓ Shrinking -113 CUs YoY | Rank improving

Liquidity Overhang

risk
#63 of 552 • Bottom 4.0% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 14.37%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 30.21%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 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
202
Net Worth Ratio
risk
Value: 14.37%
Peer Avg: 12.15%
#202 of 1077 Top 18.7% in 100M-500M tier
251
Members Per Employee (MPE)
engagement
Value: 384.316
Peer Avg: 332.881
#251 of 1077 Top 23.2% in 100M-500M tier
263
Deposit Growth Rate
growth
Value: 7.00%
Peer Avg: 4.69%
#263 of 1077 Top 24.3% in 100M-500M tier

Top Weaknesses (12 metrics)

1060
Loan-to-Share Ratio
balance_sheet
Value: 30.21%
Peer Avg: 72.70%
#1060 of 1077 Bottom 1.7% in 100M-500M tier
1057
Total Loans
balance_sheet
Value: $36.07M
Peer Avg: $147.80M
#1057 of 1077 Bottom 1.9% in 100M-500M tier
1032
Net Interest Margin (NIM)
profitability
Value: 2.32%
Peer Avg: 3.58%
#1032 of 1077 Bottom 4.3% in 100M-500M tier
1016
Loan-to-Member Ratio (LMR)
engagement
Value: $4,939
Peer Avg: $10,245
#1016 of 1077 Bottom 5.8% in 100M-500M tier
997
Loan Growth Rate
growth
Value: -6.93%
Peer Avg: 3.45%
#997 of 1077 Bottom 7.5% in 100M-500M tier
940
Total Members
engagement
Value: 7,302
Peer Avg: 15,628
#940 of 1077 Bottom 12.8% in 100M-500M tier
908
Fee Income Per Member
profitability
Value: $102.12
Peer Avg: $174.31
#908 of 1077 Bottom 15.8% in 100M-500M tier
888
Share Certificate Concentration (%)
balance_sheet
Value: 34.07%
Peer Avg: 23.61%
#888 of 1077 Bottom 17.6% in 100M-500M tier
886
Efficiency Ratio
profitability
Value: 86.86%
Peer Avg: 77.28%
#886 of 1077 Bottom 17.8% in 100M-500M tier
847
Total Delinquency Rate (60+ days)
risk
Value: 1.23%
Peer Avg: 0.86%
#847 of 1077 Bottom 21.4% in 100M-500M tier