BlastPoint's Credit Union Scorecard
MOLOKAI COMMUNITY
Charter #7471 · HI
MOLOKAI COMMUNITY has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.16% above tier average
- + Net Charge-Off Rate: Top 3.5% in tier
Key Concerns
Areas that may need attention
- - ROA 0.15% below tier average
- - Delinquency rate 2.85% above tier average
- - Total Delinquency Rate (60+ days): Bottom 7.8% in tier
- - First Mortgage Concentration (%): Bottom 8.0% 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 +5.1% year over year ($31.1M in shares and deposits).
- Membership: 4,282 members, -1.9% vs a year ago.
- Delinquency rate 4.40%.
- Return on assets 1.34%.
- Efficiency ratio 79.27% vs a 88.77% peer average.
- Loan-to-share ratio 47.78% 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 |
4,282
-1.9% YoY+0.0% QoQ
|
+1.7K |
2,585
-1.7% YoY
|
19,590
+0.5% YoY
|
34,678
+6.6% YoY
|
81% |
| Assets |
$38.3M
+5.1% YoY+2.9% QoQ
|
+$8.0M |
$30.3M
+1.5% YoY
|
$386.0M
+4.8% YoY
|
$593.1M
+10.2% YoY
|
67% |
| Loans |
$14.8M
-6.6% YoY+0.6% QoQ
|
$-611K |
$15.5M
-1.7% YoY
|
$197.3M
+5.5% YoY
|
$418.6M
+10.1% YoY
|
62% |
| Deposits |
$31.1M
+5.1% YoY+3.1% QoQ
|
+$5.3M |
$25.8M
+1.1% YoY
|
$341.6M
+4.3% YoY
|
$504.8M
+10.3% YoY
|
66% |
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| ROA |
1.3%
-53.7% YoY-17.5% QoQ
|
-0.2% |
1.5%
+241.5% YoY
|
1.0%
+38.1% YoY
|
1.2%
+121.4% YoY
|
75% |
| NIM |
4.1%
-3.9% YoY-0.8% QoQ
|
+0.2% |
3.9%
+0.9% YoY
|
3.2%
+7.0% YoY
|
3.8%
+2.3% YoY
|
59% |
| Efficiency Ratio |
79.3%
+23.5% YoY+7.3% QoQ
|
-9.5% |
88.8%
-6.9% YoY
|
73.0%
-3.2% YoY
|
83.0%
-5.3% YoY
|
47% |
| Delinquency Rate |
4.4%
+510.1% YoY+230.8% QoQ
|
+2.9 |
1.5%
+2.1% YoY
|
1.3%
-1.1% YoY
|
1.3%
+2.6% YoY
|
Bottom 7.8% in tier |
| Loan To Share |
47.8%
-11.2% YoY-2.4% QoQ
|
-11.1% |
58.9%
-3.1% YoY
|
53.4%
-3.2% YoY
|
66.4%
-1.4% YoY
|
33% |
| AMR |
$10,723
+3.0% YoY+2.3% QoQ
|
$-4K |
$14,963
-6.8% YoY
|
$23,604
+3.8% YoY
|
$20,028
-0.9% YoY
|
32% |
| CD Concentration |
4.7%
+23.2% YoY-4.3% QoQ
|
-19.9% | 24.6% | 25.0% | 20.0% | 50% |
| Indirect Auto % |
0.3%
-72.3% YoY-33.3% QoQ
|
-13.3% | 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)