BlastPoint's Credit Union Scorecard
MOLOKAI COMMUNITY
Charter #7471 · HI
MOLOKAI COMMUNITY has 4 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 2.16% above tier average
- + Net Interest Margin 0.36% above tier average
- + Net Charge-Off Rate: Top 2.2% in tier
- + Fee Income Per Member: Top 4.9% in tier
Key Concerns
Areas that may need attention
- - First Mortgage Concentration (%): Bottom 7.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,331
+0.8% YoY-0.8% QoQ
|
+1.7K |
2,625
-2.2% YoY
|
19,538
+4.7% YoY
|
33,089
+6.1% YoY
|
81% |
| Assets |
$36.0M
+0.8% YoY-1.2% QoQ
|
+$6.1M |
$29.9M
+1.1% YoY
|
$371.1M
+11.7% YoY
|
$547.7M
+7.8% YoY
|
66% |
| Loans |
$15.4M
-10.0% YoY-3.1% QoQ
|
$-369K |
$15.8M
-2.4% YoY
|
$190.1M
+8.2% YoY
|
$388.7M
+8.6% YoY
|
62% |
| Deposits |
$29.0M
+0.7% YoY-1.8% QoQ
|
+$3.6M |
$25.5M
+0.4% YoY
|
$328.7M
+11.9% YoY
|
$464.6M
+9.3% YoY
|
64% |
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| ROA |
2.8%
-2.1% YoY-2.0% QoQ
|
+2.2% |
0.7%
-731.4% YoY
|
0.8%
+109.8% YoY
|
0.7%
+273.4% YoY
|
Top 2.5% in tier |
| NIM |
4.3%
-4.9% YoY+1.6% QoQ
|
+0.4% |
3.9%
+3.8% YoY
|
3.1%
+10.9% YoY
|
3.7%
+5.0% YoY
|
66% |
| Efficiency Ratio |
63.7%
+2.0% YoY-0.8% QoQ
|
-17.7% |
81.4%
-2.4% YoY
|
73.4%
-6.7% YoY
|
79.1%
-3.3% YoY
|
19% |
| Delinquency Rate |
0.5%
-37.4% YoY-24.6% QoQ
|
-1.0 |
1.5%
-2.0% YoY
|
1.2%
-0.3% YoY
|
1.2%
-0.9% YoY
|
44% |
| Loan To Share |
53.1%
-10.6% YoY-1.3% QoQ
|
-8.2% |
61.2%
-3.0% YoY
|
55.2%
-1.0% YoY
|
68.0%
-1.7% YoY
|
37% |
| AMR |
$10,257
-4.0% YoY-1.4% QoQ
|
$-4K |
$14,627
-2.7% YoY
|
$22,988
+5.6% YoY
|
$19,418
+1.3% YoY
|
30% |
| CD Concentration |
4.6%
+78.5% YoY+21.0% QoQ
|
-19.8% |
24.4%
+4.2% YoY
|
23.5%
+10.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
0.9%
-58.8% YoY-22.3% QoQ
|
-13.1% |
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)