BlastPoint's Credit Union Scorecard
KAUAI
Charter #5487 · HI
KAUAI has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.14% above tier average
- + Loan-to-Share Ratio: Top 0.6% in tier
- + Loan-to-Member Ratio (LMR): Top 3.9% in tier
- + Average Member Relationship (AMR): Top 7.7% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Liquidity Strain: Bottom 50.0% in tier
- - Deposit Outflow: Bottom 50.0% in tier
- - Shrinking Wallet Share: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Wealth Migration Risk: Bottom 50.0% in tier
- - ROA 0.24% below tier average
- - Efficiency ratio 6.83% above tier (higher cost structure)
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 -3.5% year over year ($140M in shares and deposits).
- Membership: 7,793 members, +0.1% vs a year ago.
- Delinquency rate 2.71%.
- Return on assets 0.62%.
- Efficiency ratio 83.57% vs a 76.73% peer average.
- Loan-to-share ratio 108.90% 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 |
7,793
+0.1% YoY+0.5% QoQ
|
-7.4K |
15,168
-2.6% YoY
|
19,590
+0.5% YoY
|
34,678
+6.6% YoY
|
17% |
| Assets |
$192.8M
-2.0% YoY-2.5% QoQ
|
$-39.2M |
$232.0M
+0.7% YoY
|
$386.0M
+4.8% YoY
|
$593.1M
+10.2% YoY
|
48% |
| Loans |
$152.9M
-2.8% YoY-1.7% QoQ
|
+$6.7M |
$146.3M
+0.2% YoY
|
$197.3M
+5.5% YoY
|
$418.6M
+10.1% YoY
|
62% |
| Deposits |
$140.4M
-3.5% YoY-3.8% QoQ
|
$-60.3M |
$200.7M
+0.2% YoY
|
$341.6M
+4.3% YoY
|
$504.8M
+10.3% YoY
|
36% |
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| ROA |
0.6%
+34.5% QoQ
|
-0.2% |
0.9%
+12.5% YoY
|
1.0%
+38.1% YoY
|
1.2%
+121.4% YoY
|
38% |
| NIM |
3.8%
+12.0% YoY+2.5% QoQ
|
+0.1% |
3.7%
+4.5% YoY
|
3.2%
+7.0% YoY
|
3.8%
+2.3% YoY
|
60% |
| Efficiency Ratio |
83.6%
-1.4% YoY-5.8% QoQ
|
+6.8% |
76.7%
-0.8% YoY
|
73.0%
-3.2% YoY
|
83.0%
-5.3% YoY
|
71% |
| Delinquency Rate |
2.7%
+285.6% YoY-13.1% QoQ
|
+1.8 |
0.9%
+6.6% YoY
|
1.3%
-1.1% YoY
|
1.3%
+2.6% YoY
|
Bottom 3.5% in tier |
| Loan To Share |
108.9%
+0.8% YoY+2.2% QoQ
|
+37.4% |
71.5%
-0.3% YoY
|
53.4%
-3.2% YoY
|
66.4%
-1.4% YoY
|
Top 0.7% in tier |
| AMR |
$37,647
-3.2% YoY-3.2% QoQ
|
+$13K |
$25,107
+3.2% YoY
|
$23,604
+3.8% YoY
|
$20,028
-0.9% YoY
|
Top 7.8% in tier |
| CD Concentration |
38.1%
+0.3% YoY+3.5% QoQ
|
+13.6% | 24.6% | 25.0% | 20.0% | 50% |
| Indirect Auto % |
1.5%
-42.6% YoY-9.7% QoQ
|
-12.1% | 13.6% | 4.8% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (6)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
Deposit Outflow
declineMembers staying (>= -1% YoY) but deposits leaving. They're moving money to higher-yield competitors - rate pressure is real.
Shrinking Wallet Share
declineAverage member relationship declining year-over-year. Members may be moving money elsewhere or reducing engagement.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Wealth Migration Risk
declineHigh-value members moving money elsewhere despite stable membership. Your best customers are consolidating with competitors.
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)