BlastPoint's Credit Union Scorecard
VALLEY ISLE COMMUNITY
Charter #3574 · HI
VALLEY ISLE COMMUNITY has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 27.7% in tier
- + Credit Quality Leader: Top 97.0% in tier
- + Members Per Employee (MPE): Top 4.5% in tier
- + AMR Growth Rate: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 11.3% in tier
- - Credit Quality Pressure: Bottom 13.3% in tier
- - Membership Headwinds: Bottom 21.1% in tier
- - Stagnation Risk: Bottom 25.1% in tier
- - ROA 0.09% below tier average
- - Efficiency ratio 0.10% above tier (higher cost structure)
- - Loan-to-Share Ratio: Bottom 3.9% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
13,051
-1.8% YoY+0.1% QoQ
|
-2.6K |
15,628
-3.4% YoY
|
19,538
+4.7% YoY
|
33,089
+6.1% YoY
|
47% |
| Assets |
$170.5M
+9.2% YoY+3.2% QoQ
|
$-60.8M |
$231.3M
-0.0% YoY
|
$371.1M
+11.7% YoY
|
$547.7M
+7.8% YoY
|
39% |
| Loans |
$60.8M
+6.7% YoY+2.7% QoQ
|
$-87.0M |
$147.8M
-1.4% YoY
|
$190.1M
+8.2% YoY
|
$388.7M
+8.6% YoY
|
Bottom 10.2% in tier |
| Deposits |
$157.5M
+8.3% YoY+3.3% QoQ
|
$-42.8M |
$200.3M
-0.0% YoY
|
$328.7M
+11.9% YoY
|
$464.6M
+9.3% YoY
|
44% |
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| ROA |
0.7%
-16.9% YoY-3.3% QoQ
|
-0.1% |
0.8%
+15.5% YoY
|
0.8%
+109.8% YoY
|
0.7%
+273.4% YoY
|
46% |
| NIM |
3.0%
-7.9% YoY-2.0% QoQ
|
-0.6% |
3.6%
+6.9% YoY
|
3.1%
+10.9% YoY
|
3.7%
+5.0% YoY
|
19% |
| Efficiency Ratio |
77.4%
-1.6% YoY-0.8% QoQ
|
+0.1% |
77.3%
-3.0% YoY
|
73.4%
-6.7% YoY
|
79.1%
-3.3% YoY
|
50% |
| Delinquency Rate |
0.4%
+148.6% YoY-43.8% QoQ
|
-0.5 |
0.9%
+7.6% YoY
|
1.2%
-0.3% YoY
|
1.2%
-0.9% YoY
|
25% |
| Loan To Share |
38.6%
-1.5% YoY-0.5% QoQ
|
-34.1% |
72.7%
-1.5% YoY
|
55.2%
-1.0% YoY
|
68.0%
-1.7% YoY
|
Bottom 3.8% in tier |
| AMR |
$16,726
+9.8% YoY+3.0% QoQ
|
$-8K |
$24,363
+2.9% YoY
|
$22,988
+5.6% YoY
|
$19,418
+1.3% YoY
|
17% |
| CD Concentration |
34.3%
+21.3% YoY+3.4% QoQ
|
+9.8% |
24.4%
+4.2% YoY
|
23.5%
+10.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
14.4%
-1.4% YoY-1.8% QoQ
|
+0.4% |
14.0%
-5.7% YoY
|
5.1%
-6.8% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (2)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Credit Quality Leader
growthBest-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.
Concerns (4)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership declining year-over-year. Shrinking member base creates long-term risk even if current operations appear healthy.
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)