BlastPoint's Credit Union Scorecard
ONOMEA
Charter #3050 · HI
ONOMEA demonstrates 5 strengths
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.43% above tier average
- + Net Interest Margin 0.39% above tier average
- + Loan-to-Share Ratio: Top 4.8% in tier
- + Loan-to-Member Ratio (LMR): Top 6.4% in tier
- + Efficiency Ratio: Top 7.3% in tier
Key Concerns
Areas that may need attention
No key concerns identified
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 -1.4% year over year ($21.1M in shares and deposits).
- Membership: 1,862 members, +3.1% vs a year ago.
- Delinquency rate 0.46%.
- Return on assets 1.92%.
- Efficiency ratio 55.02% vs a 88.77% peer average.
- Loan-to-share ratio 96.20% 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 |
1,862
+3.1% YoY+0.7% QoQ
|
-723 |
2,585
-1.7% YoY
|
19,590
+0.5% YoY
|
34,678
+6.6% YoY
|
49% |
| Assets |
$26.0M
-1.1% YoY-2.7% QoQ
|
$-4.2M |
$30.3M
+1.5% YoY
|
$386.0M
+4.8% YoY
|
$593.1M
+10.2% YoY
|
55% |
| Loans |
$20.3M
-3.5% YoY-0.6% QoQ
|
+$4.9M |
$15.5M
-1.7% YoY
|
$197.3M
+5.5% YoY
|
$418.6M
+10.1% YoY
|
71% |
| Deposits |
$21.1M
-1.4% YoY-4.0% QoQ
|
$-4.7M |
$25.8M
+1.1% YoY
|
$341.6M
+4.3% YoY
|
$504.8M
+10.3% YoY
|
54% |
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| ROA |
1.9%
+23.5% YoY+27.8% QoQ
|
+0.4% |
1.5%
+241.5% YoY
|
1.0%
+38.1% YoY
|
1.2%
+121.4% YoY
|
Top 10.8% in tier |
| NIM |
4.3%
+12.0% YoY+4.0% QoQ
|
+0.4% |
3.9%
+0.9% YoY
|
3.2%
+7.0% YoY
|
3.8%
+2.3% YoY
|
69% |
| Efficiency Ratio |
55.0%
-9.6% YoY-5.8% QoQ
|
-33.7% |
88.8%
-6.9% YoY
|
73.0%
-3.2% YoY
|
83.0%
-5.3% YoY
|
Top 7.3% in tier |
| Delinquency Rate |
0.5%
+68.4% YoY+282.8% QoQ
|
-1.1 |
1.5%
+2.1% YoY
|
1.3%
-1.1% YoY
|
1.3%
+2.6% YoY
|
40% |
| Loan To Share |
96.2%
-2.1% YoY+3.5% QoQ
|
+37.3% |
58.9%
-3.1% YoY
|
53.4%
-3.2% YoY
|
66.4%
-1.4% YoY
|
Top 4.9% in tier |
| AMR |
$22,251
-5.4% YoY-3.0% QoQ
|
+$7K |
$14,963
-6.8% YoY
|
$23,604
+3.8% YoY
|
$20,028
-0.9% YoY
|
85% |
| CD Concentration |
7.3%
+23.2% YoY+11.2% QoQ
|
-17.2% | 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)