BlastPoint's Credit Union Scorecard
KO`OLAU
Charter #8435 · HI
KO`OLAU has 4 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Wallet Share Momentum: Top 50.0% in tier
- + ROA 0.22% above tier average
- + Members Per Employee (MPE): Top 2.8% in tier
- + Total Delinquency Rate (60+ days): Top 2.9% in tier
Key Concerns
Areas that may need attention
- - Membership Headwinds: Bottom 50.0% in tier
- - Stagnation Risk: Bottom 50.0% in tier
- - Institutional Decline: Bottom 50.0% in tier
- - Member decline: -3.9% YoY
- - Total Assets: Bottom 2.7% in tier
- - Total Deposits: Bottom 5.5% in tier
- - Total Members: Bottom 7.4% in tier
- - Total Loans: Bottom 8.6% 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 1,024 credit unions with $100M-$500M in assets nationally, and 1 of 15 that size in Hawaii.
- Shares and deposits +7.3% year over year ($93.3M in shares and deposits).
- Membership: 6,161 members, -3.9% vs a year ago.
- Delinquency rate 0.05%.
- Return on assets 1.09%.
- Efficiency ratio 73.96% vs a 76.73% peer average.
- Loan-to-share ratio 59.51% vs a 71.54% 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 |
6,161
-3.9% YoY-1.2% QoQ
|
-9.0K |
15,168
-2.6% YoY
|
19,590
+0.5% YoY
|
34,678
+6.6% YoY
|
Bottom 7.3% in tier |
| Assets |
$103.9M
+7.9% YoY-0.9% QoQ
|
$-128.1M |
$232.0M
+0.7% YoY
|
$386.0M
+4.8% YoY
|
$593.1M
+10.2% YoY
|
Bottom 2.6% in tier |
| Loans |
$55.5M
-3.0% YoY-4.8% QoQ
|
$-90.7M |
$146.3M
+0.2% YoY
|
$197.3M
+5.5% YoY
|
$418.6M
+10.1% YoY
|
Bottom 8.5% in tier |
| Deposits |
$93.3M
+7.3% YoY-1.1% QoQ
|
$-107.4M |
$200.7M
+0.2% YoY
|
$341.6M
+4.3% YoY
|
$504.8M
+10.3% YoY
|
Bottom 5.4% in tier |
See Your Full Scorecard
Unlock complete metrics, rankings, and AI-powered insights — always free
✓ Check your email for the access link!
Want to see an example first? Preview Navy Federal's scorecard →
| ROA |
1.1%
+87.9% YoY+7.8% QoQ
|
+0.2% |
0.9%
+12.5% YoY
|
1.0%
+38.1% YoY
|
1.2%
+121.4% YoY
|
70% |
| NIM |
3.4%
+5.7% YoY+1.1% QoQ
|
-0.3% |
3.7%
+4.5% YoY
|
3.2%
+7.0% YoY
|
3.8%
+2.3% YoY
|
33% |
| Efficiency Ratio |
74.0%
-8.7% YoY-2.1% QoQ
|
-2.8% |
76.7%
-0.8% YoY
|
73.0%
-3.2% YoY
|
83.0%
-5.3% YoY
|
38% |
| Delinquency Rate |
0.1%
-69.7% YoY-21.5% QoQ
|
-0.8 |
0.9%
+6.6% YoY
|
1.3%
-1.1% YoY
|
1.3%
+2.6% YoY
|
Top 2.9% in tier |
| Loan To Share |
59.5%
-9.6% YoY-3.8% QoQ
|
-12.0% |
71.5%
-0.3% YoY
|
53.4%
-3.2% YoY
|
66.4%
-1.4% YoY
|
25% |
| AMR |
$24,166
+7.4% YoY-1.3% QoQ
|
$-940 |
$25,107
+3.2% YoY
|
$23,604
+3.8% YoY
|
$20,028
-0.9% YoY
|
56% |
| CD Concentration |
26.7%
+20.5% YoY+9.4% QoQ
|
+2.2% | 24.6% | 25.0% | 20.0% | 50% |
| Indirect Auto % |
14.0%
-24.5% YoY-3.7% QoQ
|
+0.4% | 13.6% | 4.8% | 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 (3)
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.
Institutional Decline
declineBoth members and loans declining - the institution is contracting. Leadership is likely under pressure to reverse course.
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)