BlastPoint's Credit Union Scorecard
KO`OLAU
Charter #8435 · HI
KO`OLAU has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.17% above tier average
- + Members Per Employee (MPE): Top 0.2% in tier
- + Total Deposits: Top 0.3% in tier
- + Total Assets: Top 0.6% in tier
- + Total Loans: Top 2.4% in tier
- + Total Members: Top 7.8% in tier
Key Concerns
Areas that may need attention
- - Member decline: -4.1% YoY
- - Indirect Auto Concentration (%): Bottom 7.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,285
-4.1% YoY-0.9% QoQ
|
+3.7K |
2,615
-1.9% YoY
|
19,461
+2.6% YoY
|
33,374
+5.7% YoY
|
Top 7.9% in tier |
| Assets |
$98.5M
+6.2% YoY+0.7% QoQ
|
+$68.4M |
$30.1M
+2.1% YoY
|
$378.0M
+8.3% YoY
|
$561.6M
+9.7% YoY
|
Top 0.6% in tier |
| Loans |
$59.0M
+5.0% YoY+0.1% QoQ
|
+$43.3M |
$15.8M
-1.3% YoY
|
$192.6M
+6.6% YoY
|
$397.0M
+8.8% YoY
|
Top 2.5% in tier |
| Deposits |
$88.3M
+5.1% YoY+0.4% QoQ
|
+$62.6M |
$25.7M
+1.4% YoY
|
$334.4M
+8.0% YoY
|
$477.3M
+9.7% YoY
|
Top 0.4% in tier |
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| ROA |
0.8%
+252.6% YoY+3.0% QoQ
|
+0.2% |
0.6%
+10.8% YoY
|
0.8%
+46.9% YoY
|
0.7%
+15.9% YoY
|
56% |
| NIM |
3.3%
+13.8% YoY+1.0% QoQ
|
-0.6% |
4.0%
+4.0% YoY
|
3.1%
+6.7% YoY
|
3.8%
+5.1% YoY
|
28% |
| Efficiency Ratio |
75.3%
-17.8% YoY-2.6% QoQ
|
-7.3% |
82.6%
-2.3% YoY
|
73.8%
-6.9% YoY
|
79.7%
-3.3% YoY
|
38% |
| Delinquency Rate |
0.1%
-7.8% YoY-70.9% QoQ
|
-1.4 |
1.6%
-3.1% YoY
|
1.2%
-2.0% YoY
|
1.3%
-2.1% YoY
|
23% |
| Loan To Share |
66.9%
-0.1% YoY-0.2% QoQ
|
+6.3% |
60.6%
-3.1% YoY
|
54.4%
-2.4% YoY
|
67.4%
-1.7% YoY
|
59% |
| AMR |
$23,439
+9.5% YoY+1.2% QoQ
|
+$9K |
$14,783
-1.4% YoY
|
$23,250
+4.8% YoY
|
$19,687
+2.0% YoY
|
Top 11.1% in tier |
| CD Concentration |
22.4%
+25.7% YoY-7.9% QoQ
|
-2.0% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % |
15.4%
-29.1% YoY-8.0% QoQ
|
+1.6% | 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)