BlastPoint's Credit Union Scorecard

ONOMEA

Charter #3050 · HI

<100M

2508 CUs in <100M nationally 20 in HI

ONOMEA demonstrates 4 strengths

National Analysis

How does the industry compare?

HI Analysis

How does HI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 1.36% above tier average
+ Net Interest Margin 0.11% above tier average
+ Loan-to-Member Ratio (LMR): Top 5.8% in tier
+ Loan-to-Share Ratio: Top 6.1% in tier

Key Concerns

Areas that may need attention

No key concerns identified

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (HI)	National Avg	Tier Percentile
Members	1,849 +3.0% YoY+0.7% QoQ	-827	2,676 +1.6% YoY	19,510 +0.1% YoY	33,913 +5.7% YoY	49%
Assets	$26.8M +4.1% YoY+0.4% QoQ	$-3.4M	$30.2M +1.3% YoY	$385.1M +5.4% YoY	$578.3M +9.0% YoY	56%
Loans	$20.4M -1.2% YoY+1.3% QoQ	+$5.2M	$15.3M -2.0% YoY	$193.9M +4.9% YoY	$402.4M +8.7% YoY	72%
Deposits	$22.0M +3.6% YoY+0.4% QoQ	$-3.8M	$25.8M +0.7% YoY	$341.1M +4.6% YoY	$494.3M +9.1% YoY	54%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	1.5% -1.1% YoY+10.6% QoQ	+1.4%	0.1% -77.6% YoY	0.8% -0.9% YoY	0.4% -39.2% YoY	Top 15.0% in tier
NIM	4.1% +6.7% YoY+10.2% QoQ	+0.1%	4.0% +4.0% YoY	3.2% +6.8% YoY	3.8% +4.1% YoY	63%
Efficiency Ratio	58.4% -6.9% YoY-8.2% QoQ	-32.2%	90.6% +6.5% YoY	73.4% -3.4% YoY	84.6% +2.8% YoY	Top 10.4% in tier
Delinquency Rate	0.1% -32.2% YoY-49.4% QoQ	-1.4	1.5% +3.8% YoY	1.1% +17.2% YoY	1.2% +3.4% YoY	24%
Loan To Share	92.9% -4.6% YoY+0.9% QoQ	+34.4%	58.5% -3.0% YoY	53.2% -3.6% YoY	65.6% -1.4% YoY	Top 6.2% in tier
AMR	$22,947 -1.7% YoY+0.1% QoQ	+$8K	$14,884 -1.7% YoY	$23,509 +4.4% YoY	$19,920 +1.6% YoY	Top 12.6% in tier
CD Concentration	6.6% +63.3% YoY+20.7% QoQ	-17.7%	24.3%	24.4%	19.8%	50%
Indirect Auto %	0.0%	-13.8%	13.8%	4.9%	7.7%	50%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (0)

No concerns identified

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)

Compare against:

Comparing against 2508 peers in tier

Top Strengths (9 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 0.00%

#1 of 2508 Top 0.1% in <100M tier

146

Loan-to-Member Ratio (LMR)

engagement

Value: $11,053

Peer Median: $4,923

#146 of 2508 Top 5.8% in <100M tier

154

Loan-to-Share Ratio

balance_sheet

Value: 92.93%

Peer Median: 58.72%

#154 of 2508 Top 6.1% in <100M tier

261

Efficiency Ratio

profitability

Value: 58.41%

Peer Median: 81.45%

#261 of 2508 Top 10.4% in <100M tier

300

Member Growth Rate

growth

Value: 3.01%

Peer Median: -1.37%

#300 of 2508 Top 11.9% in <100M tier

315

Average Member Relationship (AMR)

engagement

Value: $22,947

Peer Median: $13,926

#315 of 2508 Top 12.5% in <100M tier

376

Return on Assets (ROA)

profitability

Value: 1.50%

Peer Median: 0.61%

#376 of 2508 Top 15.0% in <100M tier

473

Members Per Employee (MPE)

engagement

Value: 462.250

Peer Median: 333.750

#473 of 2508 Top 18.8% in <100M tier

592

Total Delinquency Rate (60+ days)

risk

Value: 0.12%

Peer Median: 0.65%

#592 of 2508 Top 23.6% in <100M tier

Top Weaknesses (0 metrics)

No weakness rankings available