BlastPoint's Credit Union Scorecard
VALLEY ISLE COMMUNITY
Charter #3574 · HI
VALLEY ISLE COMMUNITY has 2 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + Members Per Employee (MPE): Top 6.6% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - ROA 0.21% below tier average
- - Efficiency ratio 2.81% above tier (higher cost structure)
- - Member decline: -2.3% YoY
- - Loan-to-Share Ratio: Bottom 3.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 4.5% in tier
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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 15 that size in Hawaii.
- Shares and deposits +5.5% year over year ($161M in shares and deposits).
- Membership: 12,729 members, -2.3% vs a year ago.
- Delinquency rate 0.44%.
- Return on assets 0.66%.
- Efficiency ratio 79.54% vs a 76.73% peer average.
- Loan-to-share ratio 37.55% vs a 71.54% 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 |
12,729
-2.3% YoY-1.1% QoQ
|
-2.4K |
15,168
-2.6% YoY
|
19,590
+0.5% YoY
|
34,678
+6.6% YoY
|
48% |
| Assets |
$174.1M
+5.3% YoY+0.6% QoQ
|
$-57.9M |
$232.0M
+0.7% YoY
|
$386.0M
+4.8% YoY
|
$593.1M
+10.2% YoY
|
40% |
| Loans |
$60.4M
+2.1% YoY-0.5% QoQ
|
$-85.8M |
$146.3M
+0.2% YoY
|
$197.3M
+5.5% YoY
|
$418.6M
+10.1% YoY
|
Bottom 11.3% in tier |
| Deposits |
$160.9M
+5.5% YoY+0.5% QoQ
|
$-39.8M |
$200.7M
+0.2% YoY
|
$341.6M
+4.3% YoY
|
$504.8M
+10.3% YoY
|
46% |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
0.7%
-9.5% YoY+38.4% QoQ
|
-0.2% |
0.9%
+12.5% YoY
|
1.0%
+38.1% YoY
|
1.2%
+121.4% YoY
|
41% |
| NIM |
3.2%
+4.4% YoY-0.2% QoQ
|
-0.5% |
3.7%
+4.5% YoY
|
3.2%
+7.0% YoY
|
3.8%
+2.3% YoY
|
21% |
| Efficiency Ratio |
79.5%
+2.0% YoY-5.8% QoQ
|
+2.8% |
76.7%
-0.8% YoY
|
73.0%
-3.2% YoY
|
83.0%
-5.3% YoY
|
56% |
| Delinquency Rate |
0.4%
-34.1% YoY+13.8% QoQ
|
-0.4 |
0.9%
+6.6% YoY
|
1.3%
-1.1% YoY
|
1.3%
+2.6% YoY
|
31% |
| Loan To Share |
37.6%
-3.2% YoY-1.0% QoQ
|
-34.0% |
71.5%
-0.3% YoY
|
53.4%
-3.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 3.6% in tier |
| AMR |
$17,386
+7.0% YoY+1.3% QoQ
|
$-8K |
$25,107
+3.2% YoY
|
$23,604
+3.8% YoY
|
$20,028
-0.9% YoY
|
18% |
| CD Concentration |
34.6%
+4.3% YoY+2.0% QoQ
|
+10.0% | 24.6% | 25.0% | 20.0% | 50% |
| Indirect Auto % |
13.8%
-5.6% YoY-3.7% QoQ
|
+0.2% | 13.6% | 4.8% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining 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)