KAUAI OHANA
Charter #2577 | HI
<100M
(2596 CUs)
Micro
($0-$500M)
21 <100M in HI
KAUAI OHANA has 7 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.17% above tier average
- + Strong member growth: 5.1% YoY
- + Asset Growth Rate: Top 2.5% in tier
- + Deposit Growth Rate: Top 2.5% in tier
- + Loan Growth Rate: Top 5.1% in tier
- + Member Growth Rate: Top 6.7% in tier
- + AMR Growth Rate: Top 7.5% in tier
Key Concerns
Areas that may need attention
- - Share Certificate Concentration (%): Bottom 6.3% in tier
- - Indirect Auto Concentration (%): Bottom 6.5% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,877
+5.1% YoY+0.5% QoQ
|
+1.3K |
2,625
-2.2% YoY
|
19,538
+4.7% YoY
|
33,089
+6.1% YoY
|
Top 22.5% in tier |
| Assets |
$60.5M
+16.6% YoY+6.5% QoQ
|
+$30.7M |
$29.9M
+1.1% YoY
|
$371.1M
+11.7% YoY
|
$547.7M
+7.8% YoY
|
Top 16.7% in tier |
| Loans |
$33.8M
+16.3% YoY+0.6% QoQ
|
+$18.1M |
$15.8M
-2.4% YoY
|
$190.1M
+8.2% YoY
|
$388.7M
+8.6% YoY
|
Top 14.9% in tier |
| Deposits |
$55.5M
+17.6% YoY+7.4% QoQ
|
+$30.1M |
$25.5M
+0.4% YoY
|
$328.7M
+11.9% YoY
|
$464.6M
+9.3% YoY
|
Top 14.7% in tier |
| ROA |
0.9%
-7.1% YoY-14.0% QoQ
|
+0.2% |
0.7%
-731.4% YoY
|
0.8%
+109.8% YoY
|
0.7%
+273.4% YoY
|
54th in tier |
| NIM |
3.6%
+1.0% YoY+1.8% QoQ
|
-0.4% |
3.9%
+3.8% YoY
|
3.1%
+10.9% YoY
|
3.7%
+5.0% YoY
|
37th in tier |
| Efficiency Ratio |
77.2%
+12.1% YoY+2.5% QoQ
|
-4.2% |
81.4%
-2.4% YoY
|
73.4%
-6.7% YoY
|
79.1%
-3.3% YoY
|
47th in tier |
| Delinquency Rate |
0.4%
-30.8% YoY-57.8% QoQ
|
-1.1 |
1.5%
-2.0% YoY
|
1.2%
-0.3% YoY
|
1.2%
-0.9% YoY
|
38th in tier |
| Loan To Share |
60.9%
-1.1% YoY-6.3% QoQ
|
-0.3% |
61.2%
-3.0% YoY
|
55.2%
-1.0% YoY
|
68.0%
-1.7% YoY
|
50th in tier |
| AMR |
$23,050
+11.5% YoY+4.1% QoQ
|
+$8K |
$14,627
-2.7% YoY
|
$22,988
+5.6% YoY
|
$19,418
+1.3% YoY
|
Top 11.7% in tier |
| CD Concentration |
41.6%
-5.0% YoY+9.9% QoQ
|
+17.2% |
24.4%
+4.2% YoY
|
23.5%
+10.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
17.8%
+18.0% YoY+3.7% QoQ
|
+3.8% |
14.0%
-5.8% YoY
|
5.1%
-6.8% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (12 metrics)
67
Asset Growth Rate
growth
Value:
16.56%
Peer Avg: 1.82%
#67 of 2596
Top 2.5% in <100M tier
67
Deposit Growth Rate
growth
Value:
17.62%
Peer Avg: 16.80%
#67 of 2596
Top 2.5% in <100M tier
133
Loan Growth Rate
growth
Value:
16.30%
Peer Avg: 59.01%
#133 of 2596
Top 5.1% in <100M tier
176
Member Growth Rate
growth
Value:
5.07%
Peer Avg: 14.92%
#176 of 2596
Top 6.7% in <100M tier
195
AMR Growth Rate
growth
Value:
11.47%
Peer Avg: 4.67%
#195 of 2596
Top 7.5% in <100M tier
268
Members Per Employee (MPE)
engagement
Value:
553.857
Peer Avg: 365.701
#268 of 2596
Top 10.3% in <100M tier
304
Average Member Relationship (AMR)
engagement
Value:
$23,050
Peer Avg: $14,627
#304 of 2596
Top 11.7% in <100M tier
348
Loan-to-Member Ratio (LMR)
engagement
Value:
$8,728
Peer Avg: $5,488
#348 of 2596
Top 13.4% in <100M tier
382
Total Deposits
balance_sheet
Value:
$55.53M
Peer Avg: $25.45M
#382 of 2596
Top 14.7% in <100M tier
388
Total Loans
balance_sheet
Value:
$33.84M
Peer Avg: $15.77M
#388 of 2596
Top 14.9% in <100M tier
Top Weaknesses (3 metrics)
2434
Share Certificate Concentration (%)
balance_sheet
Value:
41.62%
Peer Avg: 15.37%
#2434 of 2596
Bottom 6.3% in <100M tier
2427
Indirect Auto Concentration (%)
balance_sheet
Value:
17.79%
Peer Avg: 2.84%
#2427 of 2596
Bottom 6.5% in <100M tier
2327
Net Worth Ratio
risk
Value:
9.14%
Peer Avg: 16.43%
#2327 of 2596
Bottom 10.4% in <100M tier