BlastPoint's Credit Union Scorecard
SCHOFIELD
Charter #7423 · HI
SCHOFIELD has 7 strengths but faces 4 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 6.4% in tier
- + Deposit Growth Rate: Top 6.6% in tier
- + Average Member Relationship (AMR): Top 7.7% in tier
- + Asset Growth Rate: Top 7.8% in tier
- + AMR Growth Rate: Top 9.2% in tier
- + Fee Income Per Member: Top 9.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.17% below tier average
- - Efficiency ratio 5.63% above tier (higher cost structure)
- - Member decline: -6.7% YoY
- - Share Certificate Concentration (%): Bottom 7.6% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,991
-6.7% YoY-8.1% QoQ
|
-624 |
2,615
-1.9% YoY
|
19,461
+2.6% YoY
|
33,374
+5.7% YoY
|
51% |
| Assets |
$34.8M
+10.8% YoY+3.6% QoQ
|
+$4.7M |
$30.1M
+2.1% YoY
|
$378.0M
+8.3% YoY
|
$561.6M
+9.7% YoY
|
65% |
| Loans |
$21.5M
-6.8% YoY-3.6% QoQ
|
+$5.8M |
$15.8M
-1.3% YoY
|
$192.6M
+6.6% YoY
|
$397.0M
+8.8% YoY
|
72% |
| Deposits |
$28.9M
+12.2% YoY+4.2% QoQ
|
+$3.2M |
$25.7M
+1.4% YoY
|
$334.4M
+8.0% YoY
|
$477.3M
+9.7% YoY
|
63% |
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| ROA |
0.5%
+213.1% YoY-3.2% QoQ
|
-0.2% |
0.6%
+10.8% YoY
|
0.8%
+46.9% YoY
|
0.7%
+15.9% YoY
|
37% |
| NIM |
3.2%
+5.0% YoY-3.2% QoQ
|
-0.8% |
4.0%
+4.0% YoY
|
3.1%
+6.7% YoY
|
3.8%
+5.1% YoY
|
24% |
| Efficiency Ratio |
88.2%
-5.2% YoY-0.2% QoQ
|
+5.6% |
82.6%
-2.3% YoY
|
73.8%
-6.9% YoY
|
79.7%
-3.3% YoY
|
71% |
| Delinquency Rate |
0.3%
-88.1% YoY+865.1% QoQ
|
-1.3 |
1.6%
-3.1% YoY
|
1.2%
-2.0% YoY
|
1.3%
-2.1% YoY
|
30% |
| Loan To Share |
74.4%
-16.9% YoY-7.5% QoQ
|
+13.8% |
60.6%
-3.1% YoY
|
54.4%
-2.4% YoY
|
67.4%
-1.7% YoY
|
71% |
| AMR |
$25,332
+10.6% YoY+9.5% QoQ
|
+$11K |
$14,783
-1.4% YoY
|
$23,250
+4.8% YoY
|
$19,687
+2.0% YoY
|
Top 7.7% in tier |
| CD Concentration |
39.6%
+16.5% YoY+4.4% QoQ
|
+15.2% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.0% | 7.8% | 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)