BlastPoint's Credit Union Scorecard
KAUAI
Charter #5487 · HI
KAUAI has 6 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 50.0% in tier
- + Organic Growth Leader: Top 50.0% in tier
- + Net Interest Margin 0.10% above tier average
- + Loan-to-Share Ratio: Top 0.8% in tier
- + Loan-to-Member Ratio (LMR): Top 3.6% in tier
- + Average Member Relationship (AMR): Top 6.5% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 50.0% in tier
- - Efficiency Drag: Bottom 50.0% in tier
- - Liquidity Strain: Bottom 50.0% in tier
- - ROA 0.27% below tier average
- - Efficiency ratio 10.72% above tier (higher cost structure)
- - Delinquency rate 2.35% above tier average
- - Total Delinquency Rate (60+ days): Bottom 1.8% in tier
- - Net Worth Ratio: Bottom 5.8% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,756
+0.5% YoY-0.2% QoQ
|
-7.4K |
15,145
-2.5% YoY
|
19,510
+0.1% YoY
|
33,913
+5.7% YoY
|
16% |
| Assets |
$197.7M
-0.8% YoY+0.7% QoQ
|
$-34.0M |
$231.7M
+0.8% YoY
|
$385.1M
+5.4% YoY
|
$578.3M
+9.0% YoY
|
51% |
| Loans |
$155.6M
-0.1% YoY-1.7% QoQ
|
+$11.4M |
$144.1M
+0.2% YoY
|
$193.9M
+4.9% YoY
|
$402.4M
+8.7% YoY
|
64% |
| Deposits |
$146.0M
+2.0% YoY+0.6% QoQ
|
$-55.1M |
$201.1M
+0.4% YoY
|
$341.1M
+4.6% YoY
|
$494.3M
+9.1% YoY
|
39% |
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| ROA |
0.5%
+285.7% YoY+136.9% QoQ
|
-0.3% |
0.7%
+5.1% YoY
|
0.8%
-0.9% YoY
|
0.4%
-39.2% YoY
|
33% |
| NIM |
3.7%
+13.6% YoY+2.5% QoQ
|
+0.1% |
3.6%
+4.6% YoY
|
3.2%
+6.8% YoY
|
3.8%
+4.1% YoY
|
58% |
| Efficiency Ratio |
88.7%
+1.1% YoY+7.4% QoQ
|
+10.7% |
78.0%
-1.7% YoY
|
73.4%
-3.4% YoY
|
84.6%
+2.8% YoY
|
82% |
| Delinquency Rate |
3.1%
+386.3% YoY+254.3% QoQ
|
+2.3 |
0.8%
+7.1% YoY
|
1.1%
+17.2% YoY
|
1.2%
+3.4% YoY
|
Bottom 1.8% in tier |
| Loan To Share |
106.6%
-2.1% YoY-2.3% QoQ
|
+36.1% |
70.4%
-0.4% YoY
|
53.2%
-3.6% YoY
|
65.6%
-1.4% YoY
|
Top 0.9% in tier |
| AMR |
$38,888
+0.4% YoY-0.4% QoQ
|
+$14K |
$24,918
+2.7% YoY
|
$23,509
+4.4% YoY
|
$19,920
+1.6% YoY
|
Top 6.6% in tier |
| CD Concentration |
36.9%
-1.1% YoY+3.4% QoQ
|
+12.6% | 24.3% | 24.4% | 19.8% | 50% |
| Indirect Auto % |
1.7%
-43.0% YoY-9.4% QoQ
|
-12.1% | 13.8% | 4.9% | 7.7% | 50% |
Signature Analysis
Strengths (2)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.
Concerns (3)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
Liquidity Strain
riskLoan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.
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)