BlastPoint's Credit Union Scorecard
KAUAI OHANA
Charter #2577 · HI
KAUAI OHANA has 7 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.15% above tier average
- + Strong member growth: 5.5% YoY
- + Asset Growth Rate: Top 2.5% in tier
- + Deposit Growth Rate: Top 2.5% in tier
- + Loan Growth Rate: Top 4.9% in tier
- + Member Growth Rate: Top 5.5% in tier
- + AMR Growth Rate: Top 7.8% in tier
Key Concerns
Areas that may need attention
- - Indirect Auto Concentration (%): Bottom 6.1% in tier
- - Net Worth Ratio: Bottom 8.8% in tier
- - Share Certificate Concentration (%): Bottom 9.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
3,927
+5.5% YoY+1.3% QoQ
|
+1.3K |
2,615
-1.9% YoY
|
19,461
+2.6% YoY
|
33,374
+5.7% YoY
|
78% |
| Assets |
$61.6M
+17.3% YoY+1.8% QoQ
|
+$31.5M |
$30.1M
+2.1% YoY
|
$378.0M
+8.3% YoY
|
$561.6M
+9.7% YoY
|
84% |
| Loans |
$34.7M
+17.1% YoY+2.6% QoQ
|
+$18.9M |
$15.8M
-1.3% YoY
|
$192.6M
+6.6% YoY
|
$397.0M
+8.8% YoY
|
Top 14.3% in tier |
| Deposits |
$56.2M
+17.8% YoY+1.2% QoQ
|
+$30.5M |
$25.7M
+1.4% YoY
|
$334.4M
+8.0% YoY
|
$477.3M
+9.7% YoY
|
Top 14.6% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.8%
-14.7% YoY-9.2% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.8%
+46.9% YoY
|
0.7%
+15.9% YoY
|
55% |
| NIM |
3.5%
+0.4% YoY-0.6% QoQ
|
-0.4% |
4.0%
+4.0% YoY
|
3.1%
+6.7% YoY
|
3.8%
+5.1% YoY
|
36% |
| Efficiency Ratio |
79.0%
+10.2% YoY+2.3% QoQ
|
-3.6% |
82.6%
-2.3% YoY
|
73.8%
-6.9% YoY
|
79.7%
-3.3% YoY
|
49% |
| Delinquency Rate |
0.5%
-40.3% YoY+11.8% QoQ
|
-1.1 |
1.6%
-3.1% YoY
|
1.2%
-2.0% YoY
|
1.3%
-2.1% YoY
|
39% |
| Loan To Share |
61.7%
-0.5% YoY+1.3% QoQ
|
+1.1% |
60.6%
-3.1% YoY
|
54.4%
-2.4% YoY
|
67.4%
-1.7% YoY
|
51% |
| AMR |
$23,152
+11.4% YoY+0.4% QoQ
|
+$8K |
$14,783
-1.4% YoY
|
$23,250
+4.8% YoY
|
$19,687
+2.0% YoY
|
Top 11.6% in tier |
| CD Concentration |
37.9%
-9.3% YoY-8.9% QoQ
|
+13.5% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % |
18.7%
+18.4% YoY+5.3% QoQ
|
+4.9% | 13.8% | 5.0% | 7.8% | 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)