BlastPoint's Credit Union Scorecard
KAUAI OHANA
Charter #2577 · HI
KAUAI OHANA has 5 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 5.6% YoY
- + Asset Growth Rate: Top 4.9% in tier
- + Net Charge-Off Rate: Top 5.4% in tier
- + Deposit Growth Rate: Top 5.9% in tier
- + Member Growth Rate: Top 6.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.94% below tier average
- - Indirect Auto Concentration (%): Bottom 5.7% in tier
- - Net Worth Ratio: Bottom 7.3% in tier
- - Share Certificate Concentration (%): Bottom 8.9% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 20 that size in Hawaii.
- Shares and deposits +11.9% year over year ($57.9M in shares and deposits).
- Membership: 4,072 members, +5.6% vs a year ago.
- Delinquency rate 0.59%.
- Return on assets 0.55%.
- Efficiency ratio 86.15% vs a 88.77% peer average.
- Loan-to-share ratio 62.22% vs a 58.89% 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 |
4,072
+5.6% YoY+2.2% QoQ
|
+1.5K |
2,585
-1.7% YoY
|
19,590
+0.5% YoY
|
34,678
+6.6% YoY
|
80% |
| Assets |
$63.3M
+11.4% YoY+0.1% QoQ
|
+$33.0M |
$30.3M
+1.5% YoY
|
$386.0M
+4.8% YoY
|
$593.1M
+10.2% YoY
|
84% |
| Loans |
$36.0M
+7.0% YoY+2.6% QoQ
|
+$20.5M |
$15.5M
-1.7% YoY
|
$197.3M
+5.5% YoY
|
$418.6M
+10.1% YoY
|
Top 12.8% in tier |
| Deposits |
$57.9M
+11.9% YoY+0.2% QoQ
|
+$32.1M |
$25.8M
+1.1% YoY
|
$341.6M
+4.3% YoY
|
$504.8M
+10.3% YoY
|
Top 13.5% in tier |
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| ROA |
0.6%
-44.1% YoY-3.7% QoQ
|
-0.9% |
1.5%
+241.5% YoY
|
1.0%
+38.1% YoY
|
1.2%
+121.4% YoY
|
34% |
| NIM |
3.7%
+5.8% YoY+0.8% QoQ
|
-0.2% |
3.9%
+0.9% YoY
|
3.2%
+7.0% YoY
|
3.8%
+2.3% YoY
|
43% |
| Efficiency Ratio |
86.1%
+14.3% YoY-3.0% QoQ
|
-2.6% |
88.8%
-6.9% YoY
|
73.0%
-3.2% YoY
|
83.0%
-5.3% YoY
|
63% |
| Delinquency Rate |
0.6%
-40.5% YoY+70.8% QoQ
|
-1.0 |
1.5%
+2.1% YoY
|
1.3%
-1.1% YoY
|
1.3%
+2.6% YoY
|
46% |
| Loan To Share |
62.2%
-4.4% YoY+2.4% QoQ
|
+3.3% |
58.9%
-3.1% YoY
|
53.4%
-3.2% YoY
|
66.4%
-1.4% YoY
|
55% |
| AMR |
$23,049
+4.1% YoY-1.1% QoQ
|
+$8K |
$14,963
-6.8% YoY
|
$23,604
+3.8% YoY
|
$20,028
-0.9% YoY
|
Top 12.9% in tier |
| CD Concentration |
38.4%
+1.4% YoY+12.3% QoQ
|
+13.8% | 24.6% | 25.0% | 20.0% | 50% |
| Indirect Auto % |
18.6%
+8.4% YoY-3.4% QoQ
|
+5.0% | 13.6% | 4.8% | 7.7% | 50% |
Signature Analysis
Strengths (0)
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)