BlastPoint's Credit Union Scorecard
LANAI
Charter #2953 · HI
LANAI has 6 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.17% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan Growth Rate: Top 3.5% in tier
- + Member Growth Rate: Top 8.9% in tier
Key Concerns
Areas that may need attention
- - Loan-to-Share Ratio: Bottom 3.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,041
+3.6% YoY+0.4% QoQ
|
-574 |
2,615
-1.9% YoY
|
19,461
+2.6% YoY
|
33,374
+5.7% YoY
|
52% |
| Assets |
$36.4M
+2.7% YoY+0.9% QoQ
|
+$6.3M |
$30.1M
+2.1% YoY
|
$378.0M
+8.3% YoY
|
$561.6M
+9.7% YoY
|
66% |
| Loans |
$5.2M
+20.4% YoY+6.8% QoQ
|
$-10.6M |
$15.8M
-1.3% YoY
|
$192.6M
+6.6% YoY
|
$397.0M
+8.8% YoY
|
35% |
| Deposits |
$32.1M
+2.0% YoY+0.8% QoQ
|
+$6.4M |
$25.7M
+1.4% YoY
|
$334.4M
+8.0% YoY
|
$477.3M
+9.7% YoY
|
67% |
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| ROA |
0.8%
+77.4% YoY+3.0% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.8%
+46.9% YoY
|
0.7%
+15.9% YoY
|
56% |
| NIM |
2.8%
+20.7% YoY-0.0% QoQ
|
-1.2% |
4.0%
+4.0% YoY
|
3.1%
+6.7% YoY
|
3.8%
+5.1% YoY
|
Bottom 12.8% in tier |
| Efficiency Ratio |
68.6%
-10.3% YoY-1.5% QoQ
|
-13.9% |
82.6%
-2.3% YoY
|
73.8%
-6.9% YoY
|
79.7%
-3.3% YoY
|
25% |
| Delinquency Rate |
1.0%
+12.8% YoY+92.1% QoQ
|
-0.6 |
1.6%
-3.1% YoY
|
1.2%
-2.0% YoY
|
1.3%
-2.1% YoY
|
59% |
| Loan To Share |
16.2%
+18.0% YoY+6.0% QoQ
|
-44.4% |
60.6%
-3.1% YoY
|
54.4%
-2.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 3.1% in tier |
| AMR |
$18,255
+0.7% YoY+1.1% QoQ
|
+$3K |
$14,783
-1.4% YoY
|
$23,250
+4.8% YoY
|
$19,687
+2.0% YoY
|
71% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 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)