BlastPoint's Credit Union Scorecard

VALLEY ISLE COMMUNITY

Charter #3574 · HI

100M-500M

1070 CUs in 100M-500M nationally 15 in HI

VALLEY ISLE COMMUNITY has 2 strengths but faces 8 concerns

National Analysis

How does the industry compare?

HI Analysis

How does HI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Wallet Share Momentum: Top 50.0% in tier
+ Members Per Employee (MPE): Top 5.1% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 50.0% in tier
- Efficiency Drag: Bottom 50.0% in tier
- Credit Risk Growth: Bottom 50.0% in tier
- Membership Headwinds: Bottom 50.0% in tier
- Stagnation Risk: Bottom 50.0% in tier
- ROA 0.25% below tier average
- Efficiency ratio 6.41% above tier (higher cost structure)
- Loan-to-Share Ratio: Bottom 3.8% in tier

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (HI)	National Avg	Tier Percentile
Members	12,868 -1.0% YoY+0.2% QoQ	-2.3K	15,145 -2.5% YoY	19,510 +0.1% YoY	33,913 +5.7% YoY	48%
Assets	$173.1M +7.3% YoY-0.1% QoQ	$-58.6M	$231.7M +0.8% YoY	$385.1M +5.4% YoY	$578.3M +9.0% YoY	40%
Loans	$60.7M +2.5% YoY-0.1% QoQ	$-83.4M	$144.1M +0.2% YoY	$193.9M +4.9% YoY	$402.4M +8.7% YoY	Bottom 11.6% in tier
Deposits	$160.1M +6.7% YoY-0.1% QoQ	$-41.1M	$201.1M +0.4% YoY	$341.1M +4.6% YoY	$494.3M +9.1% YoY	46%

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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	0.5% -60.8% YoY-0.3% QoQ	-0.3%	0.7% +5.1% YoY	0.8% -0.9% YoY	0.4% -39.2% YoY	34%
NIM	3.2% +4.4% YoY+7.2% QoQ	-0.5%	3.6% +4.6% YoY	3.2% +6.8% YoY	3.8% +4.1% YoY	23%
Efficiency Ratio	84.4% +20.6% YoY+3.3% QoQ	+6.4%	78.0% -1.7% YoY	73.4% -3.4% YoY	84.6% +2.8% YoY	70%
Delinquency Rate	0.4% +52.4% YoY+24.3% QoQ	-0.4	0.8% +7.1% YoY	1.1% +17.2% YoY	1.2% +3.4% YoY	30%
Loan To Share	37.9% -3.9% YoY+0.0% QoQ	-32.5%	70.4% -0.4% YoY	53.2% -3.6% YoY	65.6% -1.4% YoY	Bottom 3.7% in tier
AMR	$17,159 +6.6% YoY-0.3% QoQ	$-8K	$24,918 +2.7% YoY	$23,509 +4.4% YoY	$19,920 +1.6% YoY	17%
CD Concentration	33.9% +8.6% YoY-1.1% QoQ	+9.6%	24.3%	24.4%	19.8%	50%
Indirect Auto %	14.4% -0.2% YoY+0.3% QoQ	+0.6%	13.8%	4.9%	7.7%	50%

Signature Analysis

Strengths (1)

Wallet Share Momentum

growth

#314 of 491 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.64%

(Tier: 3.74%, National: 6.36%)

better than tier avg

491 of 1070 Mid-Small & Community CUs have this signature | 637 nationally

↑ Growing +107 CUs YoY | Rank worsening

Concerns (5)

Credit Quality Pressure

risk

#435 of 727 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.13% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

727 of 1070 Mid-Small & Community CUs have this signature | 1013 nationally

↓ Shrinking -60 CUs YoY | New qualifier

Efficiency Drag

risk

#413 of 596 • Bottom 50.0% in tier

High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.

Why This Signature

Efficiency Ratio: 84.43%

(Tier: 77.94%, National: 84.64%)

worse than tier avg

ROA Change (YoY): -0.74% points

(Tier: 0.05% points, National: -0.45% points)

worse than tier avg

Member Growth (YoY): -1.04%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

596 of 1070 Mid-Small & Community CUs have this signature | 702 nationally

↓ Shrinking -84 CUs YoY | New qualifier

Credit Risk Growth

risk

#385 of 476 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 2.55%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Change (YoY): 0.13% points

(Tier: 0.03% points, National: 0.12% points)

worse than tier avg

476 of 1070 Mid-Small & Community CUs have this signature | 710 nationally

→ No prior data (476 CUs now) | New qualifier

Membership Headwinds

decline

#494 of 570 • Bottom 50.0% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature

Member Growth (YoY): -1.04%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

Stagnation Risk

risk

#507 of 570 • Bottom 50.0% in tier

Membership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.

Why This Signature

Member Growth (YoY): -1.04%

(Tier: 0.72%, National: 10.19%)

worse than tier avg

Loan Growth (YoY): 2.55%

(Tier: 4.14%, National: 1.74%)

worse than tier avg

Delinquency Rate: 0.39%

(Tier: 0.76%, National: 1.19%)

but better than tier avg

570 of 1070 Mid-Small & Community CUs have this signature | 676 nationally

→ No prior data (570 CUs now) | New qualifier

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 1070 peers in tier

Top Strengths (4 metrics)

Members Per Employee (MPE)

engagement

Value: 514.720

Peer Median: 309.176

#56 of 1070 Top 5.1% in 100M-500M tier

242

AMR Growth Rate

growth

Value: 6.64%

Peer Median: 3.46%

#242 of 1070 Top 22.5% in 100M-500M tier

243

Asset Growth Rate

growth

Value: 7.26%

Peer Median: 3.91%

#243 of 1070 Top 22.6% in 100M-500M tier

259

Deposit Growth Rate

growth

Value: 6.71%

Peer Median: 3.30%

#259 of 1070 Top 24.1% in 100M-500M tier

Top Weaknesses (8 metrics)

1030

Loan-to-Share Ratio

balance_sheet

Value: 37.93%

Peer Median: 71.88%

#1030 of 1070 Bottom 3.8% in 100M-500M tier

1020

Loan-to-Member Ratio (LMR)

engagement

Value: $4,719

Peer Median: $9,356

#1020 of 1070 Bottom 4.8% in 100M-500M tier

946

Total Loans

balance_sheet

Value: $60.73M

Peer Median: $121.41M

#946 of 1070 Bottom 11.7% in 100M-500M tier

924

Fee Income Per Member

profitability

Value: $89.22

Peer Median: $154.95

#924 of 1070 Bottom 13.7% in 100M-500M tier

908

Net Worth Ratio

risk

Value: 9.10%

Peer Median: 11.45%

#908 of 1070 Bottom 15.2% in 100M-500M tier

884

Average Member Relationship (AMR)

engagement

Value: $17,159

Peer Median: $22,931

#884 of 1070 Bottom 17.5% in 100M-500M tier

881

Share Certificate Concentration (%)

balance_sheet

Value: 33.88%

Peer Median: 23.10%

#881 of 1070 Bottom 17.8% in 100M-500M tier

821

Net Interest Margin (NIM)

profitability

Value: 3.18%

Peer Median: 3.62%

#821 of 1070 Bottom 23.4% in 100M-500M tier