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 0.43% above tier average
- + Strong member growth: 5.4% YoY
- + Asset Growth Rate: Top 2.2% in tier
- + Deposit Growth Rate: Top 2.5% in tier
- + Net Charge-Off Rate: Top 6.2% in tier
- + Member Growth Rate: Top 6.3% in tier
- + Members Per Employee (MPE): Top 9.1% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Concentration (%): Bottom 5.6% in tier
- - Net Worth Ratio: Bottom 8.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,983
+5.4% YoY+1.4% QoQ
|
+1.3K |
2,676
+1.6% YoY
|
19,510
+0.1% YoY
|
33,913
+5.7% YoY
|
79% |
| Assets |
$63.2M
+16.2% YoY+2.6% QoQ
|
+$33.0M |
$30.2M
+1.3% YoY
|
$385.1M
+5.4% YoY
|
$578.3M
+9.0% YoY
|
84% |
| Loans |
$35.1M
+8.2% YoY+1.1% QoQ
|
+$19.8M |
$15.3M
-2.0% YoY
|
$193.9M
+4.9% YoY
|
$402.4M
+8.7% YoY
|
Top 13.3% in tier |
| Deposits |
$57.7M
+16.7% YoY+2.7% QoQ
|
+$32.0M |
$25.8M
+0.7% YoY
|
$341.1M
+4.6% YoY
|
$494.3M
+9.1% YoY
|
Top 13.4% in tier |
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| ROA |
0.6%
-53.2% YoY-25.6% QoQ
|
+0.4% |
0.1%
-77.6% YoY
|
0.8%
-0.9% YoY
|
0.4%
-39.2% YoY
|
48% |
| NIM |
3.7%
+5.8% YoY+3.8% QoQ
|
-0.3% |
4.0%
+4.0% YoY
|
3.2%
+6.8% YoY
|
3.8%
+4.1% YoY
|
44% |
| Efficiency Ratio |
88.8%
+26.3% YoY+12.5% QoQ
|
-1.8% |
90.6%
+6.5% YoY
|
73.4%
-3.4% YoY
|
84.6%
+2.8% YoY
|
67% |
| Delinquency Rate |
0.3%
-44.2% YoY-26.2% QoQ
|
-1.2 |
1.5%
+3.8% YoY
|
1.1%
+17.2% YoY
|
1.2%
+3.4% YoY
|
37% |
| Loan To Share |
60.8%
-7.3% YoY-1.6% QoQ
|
+2.3% |
58.5%
-3.0% YoY
|
53.2%
-3.6% YoY
|
65.6%
-1.4% YoY
|
53% |
| AMR |
$23,305
+7.6% YoY+0.7% QoQ
|
+$8K |
$14,884
-1.7% YoY
|
$23,509
+4.4% YoY
|
$19,920
+1.6% YoY
|
Top 11.7% in tier |
| CD Concentration |
34.2%
-14.7% YoY-9.8% QoQ
|
+9.9% | 24.3% | 24.4% | 19.8% | 50% |
| Indirect Auto % |
19.3%
+26.9% YoY+2.8% QoQ
|
+5.4% | 13.8% | 4.9% | 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)