BlastPoint's Credit Union Scorecard

KAUAI

Charter #5487 · HI

1077 CUs in 100M-500M nationally 14 in HI

KAUAI has 9 strengths but faces 9 concerns

National Analysis

How does the industry compare?

HI Analysis

How does HI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Leader: Top 16.0% in tier
+ Relationship Depth Leader: Top 17.6% in tier
+ Organic Growth Engine: Top 27.4% in tier
+ Wallet Share Momentum: Top 37.1% 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
- Credit Risk Growth: 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	49%
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	63%
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	36%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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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	50%
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	77%
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	69%
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	50%
Indirect Auto %	2.2% -45.3% YoY-17.0% QoQ	-11.8%	14.0% -5.7% YoY	5.1% -6.8% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (4)

Organic Growth Leader

growth

#212 of 430 • Top 16.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.51%

(Tier: 0.88%, National: 9.37%)

better than tier avg

Indirect Auto %: 2.20%

(Tier: 13.97%, National: 7.90%)

better than tier avg

430 of 1077 Community CUs have this signature | 608 nationally

↓ Shrinking -21 CUs YoY | Rank worsening

Relationship Depth Leader

growth

#46 of 257 • Top 17.6% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 8.56%

(Tier: 3.68%, National: 4.19%)

better than tier avg

Share Draft per Member: $2.1K

(Tier: $2.8K, National: $2.0K)

but worse than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | Rank worsening

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%)

better than tier avg

Return on Assets: 0.13%

(Tier: 0.77%, National: 0.71%)

but worse than tier avg

Indirect Auto %: 2.20%

(Tier: 13.97%, National: 7.90%)

better than tier avg

603 of 1077 Community CUs have this signature | 917 nationally

→ Stable (608→603 CUs) -5 CUs YoY | New qualifier

Wallet Share Momentum

growth

#179 of 481 • Top 37.1% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 8.56%

(Tier: 3.68%, National: 4.19%)

better than tier avg

481 of 1077 Community CUs have this signature | 620 nationally

↑ Growing +201 CUs YoY | Rank worsening

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%)

but better than tier avg

Loan Growth (YoY): 20.39%

(Tier: 3.65%, National: 36.38%)

but better than tier avg

258 of 1077 Community CUs have this signature | 484 nationally

↓ Shrinking -28 CUs YoY | Rank improving

Credit Risk Growth

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: 3.65%, National: 36.38%)

but better than tier avg

Delinquency Change (YoY): 0.61% points

(Tier: 0.04% points, National: 0.07% points)

worse than tier avg

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)

worse than tier avg

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%)

worse than tier avg

ROA Change (YoY): 1.23% points

(Tier: 0.11% points, National: 0.05% points)

but better than tier avg

Member Growth (YoY): 2.51%

(Tier: 0.88%, National: 9.37%)

but better than tier avg

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)

Compare against:

Comparing against 1077 peers in tier

Top Strengths (8 metrics)

Loan-to-Share Ratio

balance_sheet

Value: 111.38%

Peer Avg: -

#9 of 1077 Top 0.7% in 100M-500M tier

Loan Growth Rate

growth

Value: 20.39%

Peer Avg: -

#38 of 1077 Top 3.4% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $20,262

Peer Avg: -

#38 of 1077 Top 3.4% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $38,453

Peer Avg: -

#70 of 1077 Top 6.4% in 100M-500M tier

Asset Growth Rate

growth

Value: 10.68%

Peer Avg: -

#98 of 1077 Top 9.0% in 100M-500M tier

124

Fee Income Per Member

profitability

Value: $257.39

Peer Avg: -

#124 of 1077 Top 11.4% in 100M-500M tier

139

AMR Growth Rate

growth

Value: 8.56%

Peer Avg: -

#139 of 1077 Top 12.8% in 100M-500M tier

259

Member Growth Rate

growth

Value: 2.51%

Peer Avg: -

#259 of 1077 Top 24.0% in 100M-500M tier

Top Weaknesses (7 metrics)

1023

Net Worth Ratio

risk

Value: 8.21%

Peer Avg: -

#1023 of 1077 Bottom 5.1% in 100M-500M tier

995

Members Per Employee (MPE)

engagement

Value: 217.556

Peer Avg: -

#995 of 1077 Bottom 7.7% in 100M-500M tier

961

Return on Assets (ROA)

profitability

Value: 0.13%

Peer Avg: -

#961 of 1077 Bottom 10.9% in 100M-500M tier

945

Share Certificate Concentration (%)

balance_sheet

Value: 36.35%

Peer Avg: -

#945 of 1077 Bottom 12.3% in 100M-500M tier

942

Net Charge-Off Rate

risk

Value: 0.88%

Peer Avg: -

#942 of 1077 Bottom 12.6% in 100M-500M tier

921

Total Members

engagement

Value: 7,832

Peer Avg: -

#921 of 1077 Bottom 14.6% in 100M-500M tier

828

Efficiency Ratio

profitability

Value: 85.03%

Peer Avg: -

#828 of 1077 Bottom 23.2% in 100M-500M tier