BlastPoint's Credit Union Scorecard
SCHOFIELD
Charter #7423 · HI
SCHOFIELD has 6 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan-to-Member Ratio (LMR): Top 6.3% in tier
- + Deposit Growth Rate: Top 8.1% in tier
- + Fee Income Per Member: Top 8.2% in tier
- + Average Member Relationship (AMR): Top 8.3% in tier
- + Asset Growth Rate: Top 9.3% in tier
- + AMR Growth Rate: Top 9.5% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 4.40% above tier (higher cost structure)
- - Member decline: -7.1% YoY
- - Share Certificate Concentration (%): Bottom 8.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,985
-7.1% YoY-0.3% QoQ
|
-691 |
2,676
+1.6% YoY
|
19,510
+0.1% YoY
|
33,913
+5.7% YoY
|
51% |
| Assets |
$34.5M
+8.9% YoY-0.9% QoQ
|
+$4.3M |
$30.2M
+1.3% YoY
|
$385.1M
+5.4% YoY
|
$578.3M
+9.0% YoY
|
64% |
| Loans |
$21.4M
-6.7% YoY-0.8% QoQ
|
+$6.1M |
$15.3M
-2.0% YoY
|
$193.9M
+4.9% YoY
|
$402.4M
+8.7% YoY
|
73% |
| Deposits |
$28.6M
+10.1% YoY-1.1% QoQ
|
+$2.8M |
$25.8M
+0.7% YoY
|
$341.1M
+4.6% YoY
|
$494.3M
+9.1% YoY
|
63% |
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| ROA |
0.2%
-67.0% YoY-58.6% QoQ
|
+0.0% |
0.1%
-77.6% YoY
|
0.8%
-0.9% YoY
|
0.4%
-39.2% YoY
|
29% |
| NIM |
3.0%
-12.9% YoY-6.6% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
3.2%
+6.8% YoY
|
3.8%
+4.1% YoY
|
18% |
| Efficiency Ratio |
95.0%
+9.7% YoY+7.8% QoQ
|
+4.4% |
90.6%
+6.5% YoY
|
73.4%
-3.4% YoY
|
84.6%
+2.8% YoY
|
78% |
| Delinquency Rate |
0.1%
-93.6% YoY-76.5% QoQ
|
-1.4 |
1.5%
+3.8% YoY
|
1.1%
+17.2% YoY
|
1.2%
+3.4% YoY
|
19% |
| Loan To Share |
74.6%
-15.3% YoY+0.3% QoQ
|
+16.1% |
58.5%
-3.0% YoY
|
53.2%
-3.6% YoY
|
65.6%
-1.4% YoY
|
74% |
| AMR |
$25,171
+10.0% YoY-0.6% QoQ
|
+$10K |
$14,884
-1.7% YoY
|
$23,509
+4.4% YoY
|
$19,920
+1.6% YoY
|
Top 8.3% in tier |
| CD Concentration |
39.6%
+12.1% YoY-0.0% QoQ
|
+15.3% | 24.3% | 24.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)