BlastPoint's Credit Union Scorecard
KAUAI OHANA
Charter #2577 · 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
|
78% |
| 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
|
83% |
| 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 |
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| 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
|
54% |
| 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
|
37% |
| 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
|
47% |
| 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
|
38% |
| 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
|
50% |
| 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
|
50% |
| Indirect Auto % |
17.8%
+18.0% YoY+3.7% QoQ
|
+3.8% |
14.0%
-5.7% YoY
|
5.1%
-6.8% YoY
|
7.9%
-2.9% YoY
|
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)