BlastPoint's Credit Union Scorecard
MAUI
Charter #2562 · HI
MAUI has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + ROA 0.14% above tier average
- + Members Per Employee (MPE): Top 6.7% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 0.27% above tier average
- - Loan-to-Share Ratio: Bottom 1.9% in tier
- - Total Loans: Bottom 2.0% in tier
- - Loan-to-Member Ratio (LMR): Bottom 5.0% in tier
- - Net Interest Margin (NIM): Bottom 5.7% 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 +4.8% year over year ($125M in shares and deposits).
- Membership: 7,338 members, +0.6% vs a year ago.
- Delinquency rate 1.15%.
- Return on assets 1.00%.
- Efficiency ratio 72.60% vs a 76.73% peer average.
- Loan-to-share ratio 28.66% 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 |
7,338
+0.6% YoY+0.4% QoQ
|
-7.8K |
15,168
-2.6% YoY
|
19,590
+0.5% YoY
|
34,678
+6.6% YoY
|
Bottom 13.9% in tier |
| Assets |
$146.2M
+4.9% YoY+0.8% QoQ
|
$-85.8M |
$232.0M
+0.7% YoY
|
$386.0M
+4.8% YoY
|
$593.1M
+10.2% YoY
|
29% |
| Loans |
$35.7M
-2.4% YoY-0.3% QoQ
|
$-110.5M |
$146.3M
+0.2% YoY
|
$197.3M
+5.5% YoY
|
$418.6M
+10.1% YoY
|
Bottom 1.9% in tier |
| Deposits |
$124.7M
+4.8% YoY+0.6% QoQ
|
$-76.0M |
$200.7M
+0.2% YoY
|
$341.6M
+4.3% YoY
|
$504.8M
+10.3% YoY
|
27% |
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| ROA |
1.0%
+161.2% YoY+30.5% QoQ
|
+0.1% |
0.9%
+12.5% YoY
|
1.0%
+38.1% YoY
|
1.2%
+121.4% YoY
|
65% |
| NIM |
2.6%
+17.2% YoY+2.9% QoQ
|
-1.0% |
3.7%
+4.5% YoY
|
3.2%
+7.0% YoY
|
3.8%
+2.3% YoY
|
Bottom 5.6% in tier |
| Efficiency Ratio |
72.6%
-16.1% YoY-2.5% QoQ
|
-4.1% |
76.7%
-0.8% YoY
|
73.0%
-3.2% YoY
|
83.0%
-5.3% YoY
|
34% |
| Delinquency Rate |
1.1%
-27.2% YoY-3.5% QoQ
|
+0.3 |
0.9%
+6.6% YoY
|
1.3%
-1.1% YoY
|
1.3%
+2.6% YoY
|
74% |
| Loan To Share |
28.7%
-6.9% YoY-0.9% QoQ
|
-42.9% |
71.5%
-0.3% YoY
|
53.4%
-3.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 1.8% in tier |
| AMR |
$21,860
+2.5% YoY-0.0% QoQ
|
$-3K |
$25,107
+3.2% YoY
|
$23,604
+3.8% YoY
|
$20,028
-0.9% YoY
|
43% |
| CD Concentration |
35.1%
+11.0% YoY+3.1% QoQ
|
+10.6% | 24.6% | 25.0% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 4.8% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (0)
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)