BlastPoint's Credit Union Scorecard
ONOMEA
Charter #3050 · HI
ONOMEA demonstrates 4 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.74% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 6.1% in tier
- + Loan-to-Share Ratio: Top 8.3% in tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,836
+2.7% YoY+0.7% QoQ
|
-779 |
2,615
-1.9% YoY
|
19,461
+2.6% YoY
|
33,374
+5.7% YoY
|
48% |
| Assets |
$26.7M
+8.7% YoY+3.3% QoQ
|
$-3.5M |
$30.1M
+2.1% YoY
|
$378.0M
+8.3% YoY
|
$561.6M
+9.7% YoY
|
56% |
| Loans |
$20.2M
-1.2% YoY+1.2% QoQ
|
+$4.4M |
$15.8M
-1.3% YoY
|
$192.6M
+6.6% YoY
|
$397.0M
+8.8% YoY
|
70% |
| Deposits |
$21.9M
+8.5% YoY+3.5% QoQ
|
$-3.8M |
$25.7M
+1.4% YoY
|
$334.4M
+8.0% YoY
|
$477.3M
+9.7% YoY
|
55% |
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| ROA |
1.4%
-6.0% YoY-17.6% QoQ
|
+0.7% |
0.6%
+10.8% YoY
|
0.8%
+46.9% YoY
|
0.7%
+15.9% YoY
|
80% |
| NIM |
3.7%
+1.5% YoY-4.7% QoQ
|
-0.2% |
4.0%
+4.0% YoY
|
3.1%
+6.7% YoY
|
3.8%
+5.1% YoY
|
43% |
| Efficiency Ratio |
63.6%
+1.8% YoY+7.7% QoQ
|
-18.9% |
82.6%
-2.3% YoY
|
73.8%
-6.9% YoY
|
79.7%
-3.3% YoY
|
16% |
| Delinquency Rate |
0.2%
+146.5% YoY+63.5% QoQ
|
-1.3 |
1.6%
-3.1% YoY
|
1.2%
-2.0% YoY
|
1.3%
-2.1% YoY
|
28% |
| Loan To Share |
92.1%
-9.0% YoY-2.2% QoQ
|
+31.5% |
60.6%
-3.1% YoY
|
54.4%
-2.4% YoY
|
67.4%
-1.7% YoY
|
Top 8.5% in tier |
| AMR |
$22,917
+0.9% YoY+1.7% QoQ
|
+$8K |
$14,783
-1.4% YoY
|
$23,250
+4.8% YoY
|
$19,687
+2.0% YoY
|
Top 12.2% in tier |
| CD Concentration |
5.5%
+84.9% YoY-2.9% QoQ
|
-19.0% | 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)