BlastPoint's Credit Union Scorecard
KO`OLAU
Charter #8435 · HI
KO`OLAU has 7 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.28% above tier average
- + Total Delinquency Rate (60+ days): Top 3.8% in tier
- + AMR Growth Rate: Top 6.1% in tier
- + Members Per Employee (MPE): Top 7.7% in tier
- + Asset Growth Rate: Top 8.0% in tier
- + Deposit Growth Rate: Top 8.4% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Member decline: -4.2% YoY
- - Total Assets: Bottom 3.8% in tier
- - Total Deposits: Bottom 6.5% in tier
- - Total Members: Bottom 7.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,238
-4.2% YoY-0.7% QoQ
|
-8.9K |
15,145
-2.5% YoY
|
19,510
+0.1% YoY
|
33,913
+5.7% YoY
|
Bottom 7.4% in tier |
| Assets |
$104.8M
+10.7% YoY+6.4% QoQ
|
$-126.9M |
$231.7M
+0.8% YoY
|
$385.1M
+5.4% YoY
|
$578.3M
+9.0% YoY
|
Bottom 3.7% in tier |
| Loans |
$58.4M
+3.5% YoY-1.1% QoQ
|
$-85.8M |
$144.1M
+0.2% YoY
|
$193.9M
+4.9% YoY
|
$402.4M
+8.7% YoY
|
Bottom 10.3% in tier |
| Deposits |
$94.4M
+10.3% YoY+6.9% QoQ
|
$-106.8M |
$201.1M
+0.4% YoY
|
$341.1M
+4.6% YoY
|
$494.3M
+9.1% YoY
|
Bottom 6.4% in tier |
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| ROA |
1.0%
+67.4% YoY+26.8% QoQ
|
+0.3% |
0.7%
+5.1% YoY
|
0.8%
-0.9% YoY
|
0.4%
-39.2% YoY
|
71% |
| NIM |
3.4%
+4.5% YoY+2.0% QoQ
|
-0.3% |
3.6%
+4.6% YoY
|
3.2%
+6.8% YoY
|
3.8%
+4.1% YoY
|
35% |
| Efficiency Ratio |
75.5%
-6.8% YoY+0.4% QoQ
|
-2.5% |
78.0%
-1.7% YoY
|
73.4%
-3.4% YoY
|
84.6%
+2.8% YoY
|
39% |
| Delinquency Rate |
0.1%
-44.3% YoY-53.9% QoQ
|
-0.7 |
0.8%
+7.1% YoY
|
1.1%
+17.2% YoY
|
1.2%
+3.4% YoY
|
Top 3.8% in tier |
| Loan To Share |
61.9%
-6.2% YoY-7.5% QoQ
|
-8.6% |
70.4%
-0.4% YoY
|
53.2%
-3.6% YoY
|
65.6%
-1.4% YoY
|
30% |
| AMR |
$24,482
+12.3% YoY+4.5% QoQ
|
$-436 |
$24,918
+2.7% YoY
|
$23,509
+4.4% YoY
|
$19,920
+1.6% YoY
|
59% |
| CD Concentration |
24.4%
+26.5% YoY+9.2% QoQ
|
+0.2% | 24.3% | 24.4% | 19.8% | 50% |
| Indirect Auto % |
14.5%
-27.2% YoY-5.7% QoQ
|
+0.7% | 13.8% | 4.9% | 7.7% | 50% |
Signature Analysis
Strengths (1)
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Concerns (2)
Membership Headwinds
declineMembership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.
Stagnation Risk
riskMembership shrinking at least 0.5% year-over-year. Declining member base creates long-term risk even if current operations appear healthy.
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)