BlastPoint's Credit Union Scorecard
HOTEL AND TRAVEL INDUSTRY
Charter #9115 · HI
HOTEL AND TRAVEL INDUSTRY has 2 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Members Per Employee (MPE): Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 0.35% below tier average
- - Efficiency ratio 6.82% above tier (higher cost structure)
- - Delinquency rate 0.05% above tier average
- - Net Worth Ratio: Bottom 9.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
4,557
-1.2% YoY-0.1% QoQ
|
+1.9K |
2,625
-2.2% YoY
|
19,538
+4.7% YoY
|
33,089
+6.1% YoY
|
83% |
| Assets |
$39.6M
+0.0% YoY+1.0% QoQ
|
+$9.7M |
$29.9M
+1.1% YoY
|
$371.1M
+11.7% YoY
|
$547.7M
+7.8% YoY
|
69% |
| Loans |
$16.9M
+9.2% YoY+2.9% QoQ
|
+$1.2M |
$15.8M
-2.4% YoY
|
$190.1M
+8.2% YoY
|
$388.7M
+8.6% YoY
|
65% |
| Deposits |
$36.3M
+2.1% YoY-0.9% QoQ
|
+$10.8M |
$25.5M
+0.4% YoY
|
$328.7M
+11.9% YoY
|
$464.6M
+9.3% YoY
|
72% |
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 |
0.3%
+88.0% YoY+90.3% QoQ
|
-0.4% |
0.7%
-731.4% YoY
|
0.8%
+109.8% YoY
|
0.7%
+273.4% YoY
|
29% |
| NIM |
2.9%
+13.8% YoY+5.5% QoQ
|
-1.0% |
3.9%
+3.8% YoY
|
3.1%
+10.9% YoY
|
3.7%
+5.0% YoY
|
16% |
| Efficiency Ratio |
88.2%
-1.0% YoY-3.1% QoQ
|
+6.8% |
81.4%
-2.4% YoY
|
73.4%
-6.7% YoY
|
79.1%
-3.3% YoY
|
73% |
| Delinquency Rate |
1.6%
+58.7% YoY-18.3% QoQ
|
+0.1 |
1.5%
-2.0% YoY
|
1.2%
-0.3% YoY
|
1.2%
-0.9% YoY
|
73% |
| Loan To Share |
46.7%
+7.0% YoY+3.8% QoQ
|
-14.6% |
61.2%
-3.0% YoY
|
55.2%
-1.0% YoY
|
68.0%
-1.7% YoY
|
28% |
| AMR |
$11,682
+5.5% YoY+0.4% QoQ
|
$-3K |
$14,627
-2.7% YoY
|
$22,988
+5.6% YoY
|
$19,418
+1.3% YoY
|
38% |
| CD Concentration |
22.3%
-2.1% YoY-3.1% QoQ
|
-2.1% |
24.4%
+4.2% YoY
|
23.5%
+10.2% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
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)