BlastPoint's Credit Union Scorecard
MAUI
Charter #2562 · HI
MAUI has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 89.2% in tier
- + Organic Growth Engine: Top 94.1% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 3.5% in tier
- - ROA 0.42% below tier average
- - Efficiency ratio 11.27% above tier (higher cost structure)
- - Delinquency rate 0.63% above tier average
- - Loan-to-Share Ratio: Bottom 2.0% in tier
- - Total Loans: Bottom 2.2% in tier
- - Net Interest Margin (NIM): Bottom 4.2% in tier
- - Loan-to-Member Ratio (LMR): Bottom 6.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,285
+0.9% YoY-0.2% QoQ
|
-8.2K |
15,437
-2.9% YoY
|
19,461
+2.6% YoY
|
33,374
+5.7% YoY
|
Bottom 12.8% in tier |
| Assets |
$140.3M
+4.6% YoY+0.2% QoQ
|
$-91.5M |
$231.9M
+1.3% YoY
|
$378.0M
+8.3% YoY
|
$561.6M
+9.7% YoY
|
26% |
| Loans |
$36.8M
-2.8% YoY+2.0% QoQ
|
$-110.6M |
$147.3M
-0.1% YoY
|
$192.6M
+6.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 2.1% in tier |
| Deposits |
$119.6M
+4.7% YoY+0.2% QoQ
|
$-81.2M |
$200.8M
+0.8% YoY
|
$334.4M
+8.0% YoY
|
$477.3M
+9.7% YoY
|
25% |
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| ROA |
0.3%
+13.0% YoY-9.8% QoQ
|
-0.4% |
0.8%
+18.2% YoY
|
0.8%
+46.9% YoY
|
0.7%
+15.9% YoY
|
20% |
| NIM |
2.4%
+13.2% YoY+1.9% QoQ
|
-1.2% |
3.6%
+6.7% YoY
|
3.1%
+6.7% YoY
|
3.8%
+5.1% YoY
|
Bottom 4.1% in tier |
| Efficiency Ratio |
88.3%
-0.8% YoY+1.6% QoQ
|
+11.3% |
77.0%
-3.1% YoY
|
73.8%
-6.9% YoY
|
79.7%
-3.3% YoY
|
Top 13.4% in tier |
| Delinquency Rate |
1.5%
-2.8% YoY+24.2% QoQ
|
+0.6 |
0.9%
+4.2% YoY
|
1.2%
-2.0% YoY
|
1.3%
-2.1% YoY
|
Top 13.0% in tier |
| Loan To Share |
30.7%
-7.2% YoY+1.8% QoQ
|
-41.5% |
72.2%
-1.1% YoY
|
54.4%
-2.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 1.9% in tier |
| AMR |
$21,471
+1.9% YoY+0.9% QoQ
|
$-3K |
$24,676
+3.4% YoY
|
$23,250
+4.8% YoY
|
$19,687
+2.0% YoY
|
43% |
| CD Concentration |
34.4%
+9.4% YoY+1.1% QoQ
|
+10.0% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.0% | 7.8% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Concerns (1)
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)