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 0.09% above tier average
- + Total Deposits: Top 0.2% in tier
- + Total Assets: Top 0.7% in tier
- + Total Loans: Top 2.3% in tier
- + Total Members: Top 7.9% in tier
- + AMR Growth Rate: Top 9.7% in tier
Key Concerns
Areas that may need attention
- - Member decline: -4.0% YoY
- - Indirect Auto Concentration (%): Bottom 7.0% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,343
-4.0% YoY-1.1% QoQ
|
+3.7K |
2,625
-2.2% YoY
|
19,538
+4.7% YoY
|
33,089
+6.1% YoY
|
Top 7.9% in tier |
| Assets |
$97.8M
+8.3% YoY+1.6% QoQ
|
+$67.9M |
$29.9M
+1.1% YoY
|
$371.1M
+11.7% YoY
|
$547.7M
+7.8% YoY
|
Top 0.7% in tier |
| Loans |
$58.9M
+2.9% YoY+2.9% QoQ
|
+$43.2M |
$15.8M
-2.4% YoY
|
$190.1M
+8.2% YoY
|
$388.7M
+8.6% YoY
|
Top 2.3% in tier |
| Deposits |
$88.0M
+7.4% YoY+1.1% QoQ
|
+$62.5M |
$25.5M
+0.4% YoY
|
$328.7M
+11.9% YoY
|
$464.6M
+9.3% YoY
|
Top 0.3% in tier |
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| ROA |
0.8%
+2622.7% YoY+33.5% QoQ
|
+0.1% |
0.7%
-731.4% YoY
|
0.8%
+109.8% YoY
|
0.7%
+273.4% YoY
|
50% |
| NIM |
3.3%
+14.8% YoY+1.5% QoQ
|
-0.7% |
3.9%
+3.8% YoY
|
3.1%
+10.9% YoY
|
3.7%
+5.0% YoY
|
26% |
| Efficiency Ratio |
77.3%
-18.1% YoY-4.5% QoQ
|
-4.1% |
81.4%
-2.4% YoY
|
73.4%
-6.7% YoY
|
79.1%
-3.3% YoY
|
48% |
| Delinquency Rate |
0.5%
+737.9% YoY+187.4% QoQ
|
-1.0 |
1.5%
-2.0% YoY
|
1.2%
-0.3% YoY
|
1.2%
-0.9% YoY
|
41% |
| Loan To Share |
67.0%
-4.2% YoY+1.8% QoQ
|
+5.8% |
61.2%
-3.0% YoY
|
55.2%
-1.0% YoY
|
68.0%
-1.7% YoY
|
58% |
| AMR |
$23,162
+9.9% YoY+2.9% QoQ
|
+$9K |
$14,627
-2.7% YoY
|
$22,988
+5.6% YoY
|
$19,418
+1.3% YoY
|
Top 11.5% in tier |
| CD Concentration |
24.3%
+44.8% YoY+9.5% QoQ
|
-0.1% |
24.4%
+4.2% YoY
|
23.5%
+10.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % |
16.8%
-25.0% YoY-9.7% QoQ
|
+2.8% |
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)