BlastPoint's Credit Union Scorecard
SCHOFIELD
Charter #7423 · HI
SCHOFIELD has 3 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Loan-to-Member Ratio (LMR): Top 7.1% in tier
- + Average Member Relationship (AMR): Top 9.6% in tier
- + Fee Income Per Member: Top 9.8% in tier
Key Concerns
Areas that may need attention
- - ROA 1.25% below tier average
- - Efficiency ratio 5.14% above tier (higher cost structure)
- - Delinquency rate 0.73% above tier average
- - Member decline: -7.9% YoY
- - Share Certificate Concentration (%): Bottom 8.1% in tier
- - Member Growth Rate: Bottom 9.0% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 20 that size in Hawaii.
- Shares and deposits +3.4% year over year ($28.0M in shares and deposits).
- Membership: 1,980 members, -7.9% vs a year ago.
- Delinquency rate 2.28%.
- Return on assets 0.24%.
- Efficiency ratio 93.91% vs a 88.77% peer average.
- Loan-to-share ratio 74.76% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,980
-7.9% YoY-0.3% QoQ
|
-605 |
2,585
-1.7% YoY
|
19,590
+0.5% YoY
|
34,678
+6.6% YoY
|
52% |
| Assets |
$34.0M
+3.3% YoY-1.5% QoQ
|
+$3.7M |
$30.3M
+1.5% YoY
|
$386.0M
+4.8% YoY
|
$593.1M
+10.2% YoY
|
63% |
| Loans |
$21.0M
-8.6% YoY-1.8% QoQ
|
+$5.5M |
$15.5M
-1.7% YoY
|
$197.3M
+5.5% YoY
|
$418.6M
+10.1% YoY
|
72% |
| Deposits |
$28.0M
+3.4% YoY-2.0% QoQ
|
+$2.2M |
$25.8M
+1.1% YoY
|
$341.6M
+4.3% YoY
|
$504.8M
+10.3% YoY
|
62% |
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| ROA |
0.2%
-52.5% YoY+27.0% QoQ
|
-1.3% |
1.5%
+241.5% YoY
|
1.0%
+38.1% YoY
|
1.2%
+121.4% YoY
|
15% |
| NIM |
3.1%
-7.4% YoY+4.2% QoQ
|
-0.8% |
3.9%
+0.9% YoY
|
3.2%
+7.0% YoY
|
3.8%
+2.3% YoY
|
20% |
| Efficiency Ratio |
93.9%
+6.7% YoY-1.2% QoQ
|
+5.1% |
88.8%
-6.9% YoY
|
73.0%
-3.2% YoY
|
83.0%
-5.3% YoY
|
79% |
| Delinquency Rate |
2.3%
+2058.5% YoY+3570.2% QoQ
|
+0.7 |
1.5%
+2.1% YoY
|
1.3%
-1.1% YoY
|
1.3%
+2.6% YoY
|
82% |
| Loan To Share |
74.8%
-11.5% YoY+0.2% QoQ
|
+15.9% |
58.9%
-3.1% YoY
|
53.4%
-3.2% YoY
|
66.4%
-1.4% YoY
|
74% |
| AMR |
$24,744
+6.3% YoY-1.7% QoQ
|
+$10K |
$14,963
-6.8% YoY
|
$23,604
+3.8% YoY
|
$20,028
-0.9% YoY
|
Top 9.6% in tier |
| CD Concentration |
39.6%
+8.0% YoY-0.0% QoQ
|
+15.0% | 24.6% | 25.0% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 4.8% | 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)