KAUAI
Charter #5487 | HI
100M-500M
(1077 CUs)
Micro
($0-$500M)
14 100M-500M in HI
KAUAI has 10 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 6.5% in tier
- + Relationship Depth Leader: Top 15.0% in tier
- + Organic Growth Leader: Top 16.0% in tier
- + Emerging Performer: Top 22.4% in tier
- + Organic Growth Engine: Top 27.4% in tier
- + Loan-to-Share Ratio: Top 0.7% in tier
- + Loan Growth Rate: Top 3.4% in tier
- + Loan-to-Member Ratio (LMR): Top 3.4% in tier
- + Average Member Relationship (AMR): Top 6.4% in tier
- + Asset Growth Rate: Top 9.0% in tier
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 0.0% in tier
- - Growth-at-Risk: Bottom 0.5% in tier
- - Credit Quality Pressure: Bottom 4.1% in tier
- - Efficiency Drag: Bottom 24.4% in tier
- - ROA 0.66% below tier average
- - Efficiency ratio 7.75% above tier (higher cost structure)
- - Delinquency rate 0.13% above tier average
- - Net Worth Ratio: Bottom 5.1% in tier
- - Members Per Employee (MPE): Bottom 7.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,832
+2.5% YoY+0.6% QoQ
|
-7.8K |
15,628
-3.4% YoY
|
19,538
+4.7% YoY
|
33,089
+6.1% YoY
|
Bottom 14.5% in tier |
| Assets |
$195.8M
+10.7% YoY-0.4% QoQ
|
$-35.5M |
$231.3M
-0.0% YoY
|
$371.1M
+11.7% YoY
|
$547.7M
+7.8% YoY
|
49th in tier |
| Loans |
$158.7M
+20.4% YoY+0.9% QoQ
|
+$10.9M |
$147.8M
-1.4% YoY
|
$190.1M
+8.2% YoY
|
$388.7M
+8.6% YoY
|
63rd in tier |
| Deposits |
$142.5M
+2.6% YoY-2.1% QoQ
|
$-57.8M |
$200.3M
-0.0% YoY
|
$328.7M
+11.9% YoY
|
$464.6M
+9.3% YoY
|
36th in tier |
| ROA |
0.1%
-111.6% YoY+3288.8% QoQ
|
-0.7% |
0.8%
+15.5% YoY
|
0.8%
+109.8% YoY
|
0.7%
+273.4% YoY
|
Bottom 10.8% in tier |
| NIM |
3.6%
+17.3% YoY+4.8% QoQ
|
-0.0% |
3.6%
+6.9% YoY
|
3.1%
+10.9% YoY
|
3.7%
+5.0% YoY
|
50th in tier |
| Efficiency Ratio |
85.0%
-27.5% YoY+0.3% QoQ
|
+7.7% |
77.3%
-3.0% YoY
|
73.4%
-6.7% YoY
|
79.1%
-3.3% YoY
|
Top 23.2% in tier |
| Delinquency Rate |
1.0%
+165.8% YoY+40.0% QoQ
|
+0.1 |
0.9%
+7.6% YoY
|
1.2%
-0.3% YoY
|
1.2%
-0.9% YoY
|
69th in tier |
| Loan To Share |
111.4%
+17.3% YoY+3.1% QoQ
|
+38.7% |
72.7%
-1.5% YoY
|
55.2%
-1.0% YoY
|
68.0%
-1.7% YoY
|
Top 0.8% in tier |
| AMR |
$38,453
+8.6% YoY-1.1% QoQ
|
+$14K |
$24,363
+2.9% YoY
|
$22,988
+5.6% YoY
|
$19,418
+1.3% YoY
|
Top 6.5% in tier |
| CD Concentration |
36.4%
-5.0% YoY-4.5% QoQ
|
+11.9% |
24.4%
+4.2% YoY
|
23.5%
+10.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % |
2.2%
-45.3% YoY-17.0% QoQ
|
-11.8% |
14.0%
-5.8% YoY
|
5.1%
-6.8% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (5)
Wallet Share Momentum
growth
#179 of 1006 • Top 6.5% in tier
Average member relationship growing year-over-year. Members are deepening their engagement.
Why This Signature
AMR Growth (YoY):
8.56%
(Tier:
3.68%, National:
4.19%)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank worsening
Relationship Depth Leader
growth
#414 of 1006 • Top 15.0% in tier
Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.
Why This Signature
AMR Growth (YoY):
8.56%
(Tier:
3.68%, National:
4.19%)
Share Draft per Member:
$2.1K
(Tier: $2.8K, National: $2.0K)
1006 of 1077 Community CUs have this signature
| 1330 nationally
↑ Growing
+249 CUs YoY
|
Rank worsening
Organic Growth Leader
growth
#212 of 430 • Top 16.0% in tier
Attracting members without relying on indirect channels. Healthy, sustainable growth model.
Why This Signature
Member Growth (YoY):
2.51%
(Tier:
0.88%, National:
9.37%)
430 of 1077 Community CUs have this signature
| 608 nationally
↓ Shrinking
-21 CUs YoY
|
Rank worsening
Emerging Performer
growth
#420 of 627 • Top 22.4% in tier
Profitable credit union with positive returns. May represent growth potential worth exploring.
Why This Signature
Return on Assets:
0.13%
(Tier:
0.77%, National:
0.71%)
Member Growth (YoY):
2.51%
(Tier:
0.88%, National:
9.37%)
627 of 1077 Community CUs have this signature
| 852 nationally
↑ Growing
+13 CUs YoY
|
New qualifier
Organic Growth Engine
growth
#502 of 603 • Top 27.4% in tier
Growing membership while maintaining profitability. Healthy fundamentals in place.
Why This Signature
Member Growth (YoY):
2.51%
(Tier:
0.88%, National:
9.37%)
Return on Assets:
0.13%
(Tier:
0.77%, National:
0.71%)
Indirect Auto %:
2.20%
(Tier:
13.96%, National:
7.90%)
603 of 1077 Community CUs have this signature
| 917 nationally
→ Stable (608→603 CUs)
-5 CUs YoY
|
New qualifier
Concerns (4)
Liquidity Strain
risk
#1 of 258 • Bottom 0.0% in tier
Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Why This Signature
Loan-to-Share Ratio:
111.38%
(Tier:
74.56%, National:
67.96%)
Loan Growth (YoY):
20.39%
(Tier:
3.64%, National:
36.38%)
258 of 1077 Community CUs have this signature
| 484 nationally
↓ Shrinking
-28 CUs YoY
|
Rank improving
Growth-at-Risk
risk
#8 of 446 • Bottom 0.5% in tier
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Why This Signature
Loan Growth (YoY):
20.39%
(Tier:
3.64%, National:
36.38%)
Delinquency Change (YoY):
0.61% points
(Tier:
0.04% points, National:
0.07% points)
446 of 1077 Community CUs have this signature
| 646 nationally
↓ Shrinking
-77 CUs YoY
|
New qualifier
Credit Quality Pressure
risk
#103 of 736 • Bottom 4.1% in tier
Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Why This Signature
Delinquency Change (YoY):
0.61% points
(Tier:
0.04% points, National:
0.07% points)
736 of 1077 Community CUs have this signature
| 1002 nationally
↓ Shrinking
-199 CUs YoY
|
New qualifier
Efficiency Drag
risk
#431 of 521 • Bottom 24.4% in tier
High efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Why This Signature
Efficiency Ratio:
85.03%
(Tier:
77.15%, National:
79.10%)
ROA Change (YoY):
1.23% points
(Tier:
0.11% points, National:
0.05% points)
Member Growth (YoY):
2.51%
(Tier:
0.88%, National:
9.37%)
521 of 1077 Community CUs have this signature
| 624 nationally
↓ Shrinking
-113 CUs YoY
|
Rank worsening
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)
Top Strengths (8 metrics)
9
Loan-to-Share Ratio
balance_sheet
Value:
111.38%
Peer Avg: 72.70%
#9 of 1077
Top 0.7% in 100M-500M tier
38
Loan Growth Rate
growth
Value:
20.39%
Peer Avg: 3.45%
#38 of 1077
Top 3.4% in 100M-500M tier
38
Loan-to-Member Ratio (LMR)
engagement
Value:
$20,262
Peer Avg: $10,245
#38 of 1077
Top 3.4% in 100M-500M tier
70
Average Member Relationship (AMR)
engagement
Value:
$38,453
Peer Avg: $24,363
#70 of 1077
Top 6.4% in 100M-500M tier
98
Asset Growth Rate
growth
Value:
10.68%
Peer Avg: 4.70%
#98 of 1077
Top 9.0% in 100M-500M tier
124
Fee Income Per Member
profitability
Value:
$257.39
Peer Avg: $174.31
#124 of 1077
Top 11.4% in 100M-500M tier
139
AMR Growth Rate
growth
Value:
8.56%
Peer Avg: 3.64%
#139 of 1077
Top 12.8% in 100M-500M tier
259
Member Growth Rate
growth
Value:
2.51%
Peer Avg: 0.72%
#259 of 1077
Top 24.0% in 100M-500M tier
Top Weaknesses (7 metrics)
1023
Net Worth Ratio
risk
Value:
8.21%
Peer Avg: 12.15%
#1023 of 1077
Bottom 5.1% in 100M-500M tier
995
Members Per Employee (MPE)
engagement
Value:
217.556
Peer Avg: 332.881
#995 of 1077
Bottom 7.7% in 100M-500M tier
961
Return on Assets (ROA)
profitability
Value:
0.13%
Peer Avg: 0.79%
#961 of 1077
Bottom 10.9% in 100M-500M tier
945
Share Certificate Concentration (%)
balance_sheet
Value:
36.35%
Peer Avg: 23.61%
#945 of 1077
Bottom 12.3% in 100M-500M tier
942
Net Charge-Off Rate
risk
Value:
0.88%
Peer Avg: 0.47%
#942 of 1077
Bottom 12.6% in 100M-500M tier
921
Total Members
engagement
Value:
7,832
Peer Avg: 15,628
#921 of 1077
Bottom 14.6% in 100M-500M tier
828
Efficiency Ratio
profitability
Value:
85.03%
Peer Avg: 77.28%
#828 of 1077
Bottom 23.2% in 100M-500M tier