BlastPoint's Credit Union Scorecard
MAUI
Charter #2562 · HI
MAUI has 3 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Leader: Top 26.3% in tier
- + Organic Growth Engine: Top 29.7% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - Efficiency Drag: Bottom 3.0% 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
|
26% |
| 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
|
26% |
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| 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
|
24% |
| 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
|
82% |
| 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
|
79% |
| 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
|
44% |
| 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
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.1%
-6.8% YoY
|
7.9%
-2.9% YoY
|
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)