BlastPoint's Credit Union Scorecard
MOLOKAI COMMUNITY
Charter #7471 · HI
MOLOKAI COMMUNITY has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.48% above tier average
- + Net Interest Margin 0.09% above tier average
- + Net Charge-Off Rate: Top 4.7% in tier
Key Concerns
Areas that may need attention
- - Member decline: -2.4% YoY
- - First Mortgage Concentration (%): Bottom 7.9% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,281
-2.4% YoY-0.0% QoQ
|
+1.6K |
2,676
+1.6% YoY
|
19,510
+0.1% YoY
|
33,913
+5.7% YoY
|
81% |
| Assets |
$37.2M
+2.0% YoY-1.3% QoQ
|
+$7.0M |
$30.2M
+1.3% YoY
|
$385.1M
+5.4% YoY
|
$578.3M
+9.0% YoY
|
66% |
| Loans |
$14.8M
-10.8% YoY-1.6% QoQ
|
$-530K |
$15.3M
-2.0% YoY
|
$193.9M
+4.9% YoY
|
$402.4M
+8.7% YoY
|
62% |
| Deposits |
$30.1M
+1.3% YoY-1.9% QoQ
|
+$4.4M |
$25.8M
+0.7% YoY
|
$341.1M
+4.6% YoY
|
$494.3M
+9.1% YoY
|
64% |
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| ROA |
1.6%
-50.4% YoY-40.2% QoQ
|
+1.5% |
0.1%
-77.6% YoY
|
0.8%
-0.9% YoY
|
0.4%
-39.2% YoY
|
Top 12.4% in tier |
| NIM |
4.1%
-2.1% YoY-2.9% QoQ
|
+0.1% |
4.0%
+4.0% YoY
|
3.2%
+6.8% YoY
|
3.8%
+4.1% YoY
|
62% |
| Efficiency Ratio |
73.9%
+20.4% YoY+14.3% QoQ
|
-16.7% |
90.6%
+6.5% YoY
|
73.4%
-3.4% YoY
|
84.6%
+2.8% YoY
|
32% |
| Delinquency Rate |
1.3%
+146.7% YoY+3.9% QoQ
|
-0.2 |
1.5%
+3.8% YoY
|
1.1%
+17.2% YoY
|
1.2%
+3.4% YoY
|
71% |
| Loan To Share |
49.0%
-11.9% YoY+0.3% QoQ
|
-9.6% |
58.5%
-3.0% YoY
|
53.2%
-3.6% YoY
|
65.6%
-1.4% YoY
|
35% |
| AMR |
$10,485
-0.6% YoY-1.7% QoQ
|
$-4K |
$14,884
-1.7% YoY
|
$23,509
+4.4% YoY
|
$19,920
+1.6% YoY
|
31% |
| CD Concentration |
4.9%
+82.2% YoY+10.2% QoQ
|
-19.4% | 24.3% | 24.4% | 19.8% | 50% |
| Indirect Auto % |
0.5%
-66.6% YoY-28.6% QoQ
|
-13.3% | 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)