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 2.09% above tier average
- + Net Interest Margin 0.26% above tier average
- + Net Charge-Off Rate: Top 2.4% in tier
- + Fee Income Per Member: Top 4.5% in tier
Key Concerns
Areas that may need attention
- - First Mortgage 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 |
4,283
-0.4% YoY-1.1% QoQ
|
+1.7K |
2,615
-1.9% YoY
|
19,461
+2.6% YoY
|
33,374
+5.7% YoY
|
81% |
| Assets |
$37.7M
+2.6% YoY+4.9% QoQ
|
+$7.6M |
$30.1M
+2.1% YoY
|
$378.0M
+8.3% YoY
|
$561.6M
+9.7% YoY
|
67% |
| Loans |
$15.0M
-11.4% YoY-2.7% QoQ
|
$-778K |
$15.8M
-1.3% YoY
|
$192.6M
+6.6% YoY
|
$397.0M
+8.8% YoY
|
61% |
| Deposits |
$30.7M
+2.6% YoY+5.8% QoQ
|
+$5.0M |
$25.7M
+1.4% YoY
|
$334.4M
+8.0% YoY
|
$477.3M
+9.7% YoY
|
66% |
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| ROA |
2.7%
+20.2% YoY-4.3% QoQ
|
+2.1% |
0.6%
+10.8% YoY
|
0.8%
+46.9% YoY
|
0.7%
+15.9% YoY
|
Top 2.2% in tier |
| NIM |
4.2%
-4.7% YoY-1.8% QoQ
|
+0.3% |
4.0%
+4.0% YoY
|
3.1%
+6.7% YoY
|
3.8%
+5.1% YoY
|
63% |
| Efficiency Ratio |
64.7%
-2.6% YoY+1.5% QoQ
|
-17.9% |
82.6%
-2.3% YoY
|
73.8%
-6.9% YoY
|
79.7%
-3.3% YoY
|
17% |
| Delinquency Rate |
1.3%
+53.1% YoY+135.5% QoQ
|
-0.3 |
1.6%
-3.1% YoY
|
1.2%
-2.0% YoY
|
1.3%
-2.1% YoY
|
67% |
| Loan To Share |
48.8%
-13.6% YoY-8.0% QoQ
|
-11.8% |
60.6%
-3.1% YoY
|
54.4%
-2.4% YoY
|
67.4%
-1.7% YoY
|
31% |
| AMR |
$10,669
-2.0% YoY+4.0% QoQ
|
$-4K |
$14,783
-1.4% YoY
|
$23,250
+4.8% YoY
|
$19,687
+2.0% YoY
|
32% |
| CD Concentration |
4.4%
+77.6% YoY-3.5% QoQ
|
-20.0% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % |
0.7%
-62.5% YoY-25.3% QoQ
|
-13.1% | 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)