BlastPoint's Credit Union Scorecard
SCHOFIELD
Charter #7423 · HI
SCHOFIELD has 3 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Loan-to-Member Ratio (LMR): Top 7.2% in tier
- + Deposit Growth Rate: Top 8.3% in tier
Key Concerns
Areas that may need attention
- - ROA 0.21% below tier average
- - Efficiency ratio 6.98% above tier (higher cost structure)
- - Share Certificate Concentration (%): Bottom 8.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,166
+0.9% YoY+0.8% QoQ
|
-459 |
2,625
-2.2% YoY
|
19,538
+4.7% YoY
|
33,089
+6.1% YoY
|
55% |
| Assets |
$33.6M
+5.7% YoY+2.2% QoQ
|
+$3.8M |
$29.9M
+1.1% YoY
|
$371.1M
+11.7% YoY
|
$547.7M
+7.8% YoY
|
64% |
| Loans |
$22.3M
-1.6% YoY-2.6% QoQ
|
+$6.6M |
$15.8M
-2.4% YoY
|
$190.1M
+8.2% YoY
|
$388.7M
+8.6% YoY
|
73% |
| Deposits |
$27.8M
+10.2% YoY+2.4% QoQ
|
+$2.3M |
$25.5M
+0.4% YoY
|
$328.7M
+11.9% YoY
|
$464.6M
+9.3% YoY
|
62% |
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| ROA |
0.5%
+1331.7% YoY-6.8% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
0.8%
+109.8% YoY
|
0.7%
+273.4% YoY
|
35% |
| NIM |
3.3%
+17.1% YoY-1.7% QoQ
|
-0.6% |
3.9%
+3.8% YoY
|
3.1%
+10.9% YoY
|
3.7%
+5.0% YoY
|
28% |
| Efficiency Ratio |
88.4%
-6.7% YoY+0.4% QoQ
|
+7.0% |
81.4%
-2.4% YoY
|
73.4%
-6.7% YoY
|
79.1%
-3.3% YoY
|
73% |
| Delinquency Rate |
0.0%
-98.8% YoY-74.1% QoQ
|
-1.5 |
1.5%
-2.0% YoY
|
1.2%
-0.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 14.9% in tier |
| Loan To Share |
80.4%
-10.7% YoY-4.9% QoQ
|
+19.2% |
61.2%
-3.0% YoY
|
55.2%
-1.0% YoY
|
68.0%
-1.7% YoY
|
78% |
| AMR |
$23,125
+3.7% YoY-0.7% QoQ
|
+$8K |
$14,627
-2.7% YoY
|
$22,988
+5.6% YoY
|
$19,418
+1.3% YoY
|
Top 11.5% in tier |
| CD Concentration |
37.9%
+13.9% YoY+3.6% QoQ
|
+13.5% |
24.4%
+4.2% YoY
|
23.5%
+10.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
5.1%
-6.8% YoY
|
7.9%
-2.9% YoY
|
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)