BlastPoint's Credit Union Scorecard
LANAI
Charter #2953 · HI
LANAI has 2 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan Growth Rate: Top 2.2% in tier
- + Member Growth Rate: Top 7.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.12% below tier average
- - Loan-to-Share Ratio: Bottom 3.9% 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 +5.3% year over year ($33.6M in shares and deposits).
- Membership: 2,079 members, +4.4% vs a year ago.
- Delinquency rate 0.88%.
- Return on assets 1.38%.
- Efficiency ratio 58.19% vs a 88.77% peer average.
- Loan-to-share ratio 16.93% 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 |
2,079
+4.4% YoY+0.8% QoQ
|
-506 |
2,585
-1.7% YoY
|
19,590
+0.5% YoY
|
34,678
+6.6% YoY
|
53% |
| Assets |
$38.2M
+6.0% YoY+1.2% QoQ
|
+$7.9M |
$30.3M
+1.5% YoY
|
$386.0M
+4.8% YoY
|
$593.1M
+10.2% YoY
|
67% |
| Loans |
$5.7M
+26.4% YoY+6.1% QoQ
|
$-9.8M |
$15.5M
-1.7% YoY
|
$197.3M
+5.5% YoY
|
$418.6M
+10.1% YoY
|
37% |
| Deposits |
$33.6M
+5.3% YoY+1.0% QoQ
|
+$7.8M |
$25.8M
+1.1% YoY
|
$341.6M
+4.3% YoY
|
$504.8M
+10.3% YoY
|
68% |
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| ROA |
1.4%
+149.5% YoY+11.7% QoQ
|
-0.1% |
1.5%
+241.5% YoY
|
1.0%
+38.1% YoY
|
1.2%
+121.4% YoY
|
76% |
| NIM |
3.3%
+22.7% YoY+4.3% QoQ
|
-0.6% |
3.9%
+0.9% YoY
|
3.2%
+7.0% YoY
|
3.8%
+2.3% YoY
|
25% |
| Efficiency Ratio |
58.2%
-22.8% YoY-1.0% QoQ
|
-30.6% |
88.8%
-6.9% YoY
|
73.0%
-3.2% YoY
|
83.0%
-5.3% YoY
|
Top 10.2% in tier |
| Delinquency Rate |
0.9%
+126.3% YoY+24.3% QoQ
|
-0.7 |
1.5%
+2.1% YoY
|
1.3%
-1.1% YoY
|
1.3%
+2.6% YoY
|
57% |
| Loan To Share |
16.9%
+20.0% YoY+5.0% QoQ
|
-42.0% |
58.9%
-3.1% YoY
|
53.4%
-3.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 3.8% in tier |
| AMR |
$18,880
+3.4% YoY+0.9% QoQ
|
+$4K |
$14,963
-6.8% YoY
|
$23,604
+3.8% YoY
|
$20,028
-0.9% YoY
|
73% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 25.0% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 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)