BlastPoint's Credit Union Scorecard
KAUAI
Charter #5487 · HI
KAUAI has 5 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 93.3% in tier
- + Net Interest Margin 0.04% above tier average
- + Loan-to-Share Ratio: Top 0.7% in tier
- + Loan-to-Member Ratio (LMR): Top 3.4% in tier
- + Average Member Relationship (AMR): Top 6.4% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 21.3% in tier
- - Liquidity Strain: Bottom 28.6% in tier
- - Efficiency Drag: Bottom 71.1% in tier
- - ROA 0.57% below tier average
- - Efficiency ratio 5.63% above tier (higher cost structure)
- - Net Worth Ratio: Bottom 5.8% in tier
- - Members Per Employee (MPE): Bottom 7.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
7,769
-0.3% YoY-0.8% QoQ
|
-7.7K |
15,437
-2.9% YoY
|
19,461
+2.6% YoY
|
33,374
+5.7% YoY
|
15% |
| Assets |
$196.3M
-1.0% YoY+0.3% QoQ
|
$-35.5M |
$231.9M
+1.3% YoY
|
$378.0M
+8.3% YoY
|
$561.6M
+9.7% YoY
|
50% |
| Loans |
$158.2M
-0.5% YoY-0.3% QoQ
|
+$10.9M |
$147.3M
-0.1% YoY
|
$192.6M
+6.6% YoY
|
$397.0M
+8.8% YoY
|
63% |
| Deposits |
$145.1M
+3.6% YoY+1.9% QoQ
|
$-55.7M |
$200.8M
+0.8% YoY
|
$334.4M
+8.0% YoY
|
$477.3M
+9.7% YoY
|
38% |
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| ROA |
0.2%
-114.6% YoY+53.1% QoQ
|
-0.6% |
0.8%
+18.2% YoY
|
0.8%
+46.9% YoY
|
0.7%
+15.9% YoY
|
Bottom 12.7% in tier |
| NIM |
3.6%
+25.4% YoY+1.6% QoQ
|
+0.0% |
3.6%
+6.7% YoY
|
3.1%
+6.7% YoY
|
3.8%
+5.1% YoY
|
52% |
| Efficiency Ratio |
82.6%
-30.6% YoY-2.8% QoQ
|
+5.6% |
77.0%
-3.1% YoY
|
73.8%
-6.9% YoY
|
79.7%
-3.3% YoY
|
70% |
| Delinquency Rate |
0.9%
+98.2% YoY-10.6% QoQ
|
-0.0 |
0.9%
+4.2% YoY
|
1.2%
-2.0% YoY
|
1.3%
-2.1% YoY
|
62% |
| Loan To Share |
109.0%
-4.0% YoY-2.1% QoQ
|
+36.8% |
72.2%
-1.1% YoY
|
54.4%
-2.4% YoY
|
67.4%
-1.7% YoY
|
Top 0.8% in tier |
| AMR |
$39,043
+1.7% YoY+1.5% QoQ
|
+$14K |
$24,676
+3.4% YoY
|
$23,250
+4.8% YoY
|
$19,687
+2.0% YoY
|
Top 6.5% in tier |
| CD Concentration |
35.7%
-5.6% YoY-1.9% QoQ
|
+11.2% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % |
1.9%
-42.2% YoY-15.4% QoQ
|
-11.9% | 13.8% | 5.0% | 7.8% | 50% |
Signature Analysis
Strengths (1)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Concerns (3)
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.
Efficiency Drag
riskHigh efficiency ratio (>80%) indicates elevated operating costs relative to revenue. Margin improvement opportunities may exist.
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)