BlastPoint's Credit Union Scorecard
WAILUKU
Charter #9924 · HI
WAILUKU has 11 strengths but faces 4 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Organic Growth Engine: Top 22.2% in tier
- + Relationship Depth Leader: Top 26.6% in tier
- + Wallet Share Momentum: Top 56.2% in tier
- + Emerging Performer: Top 64.1% in tier
- + Organic Growth Leader: Top 73.7% in tier
- + ROA 0.68% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 6.4% in tier
- + Deposit Growth Rate: Top 6.9% in tier
- + Average Member Relationship (AMR): Top 7.0% in tier
- + Loan-to-Member Ratio (LMR): Top 7.6% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 57.0% in tier
- - Credit Risk Growth: Bottom 63.3% in tier
- - Share Certificate Concentration (%): Bottom 0.7% in tier
- - Total Members: Bottom 4.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,362
+1.4% YoY+1.4% QoQ
|
-10.1K |
15,437
-2.9% YoY
|
19,461
+2.6% YoY
|
33,374
+5.7% YoY
|
Bottom 4.1% in tier |
| Assets |
$129.2M
+9.6% YoY+2.6% QoQ
|
$-102.6M |
$231.9M
+1.3% YoY
|
$378.0M
+8.3% YoY
|
$561.6M
+9.7% YoY
|
20% |
| Loans |
$87.5M
+4.8% YoY-0.4% QoQ
|
$-59.8M |
$147.3M
-0.1% YoY
|
$192.6M
+6.6% YoY
|
$397.0M
+8.8% YoY
|
27% |
| Deposits |
$112.9M
+12.2% YoY+2.4% QoQ
|
$-87.9M |
$200.8M
+0.8% YoY
|
$334.4M
+8.0% YoY
|
$477.3M
+9.7% YoY
|
20% |
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 |
1.4%
+35.7% YoY-20.7% QoQ
|
+0.7% |
0.8%
+18.2% YoY
|
0.8%
+46.9% YoY
|
0.7%
+15.9% YoY
|
Top 12.2% in tier |
| NIM |
3.4%
+7.6% YoY-6.4% QoQ
|
-0.2% |
3.6%
+6.7% YoY
|
3.1%
+6.7% YoY
|
3.8%
+5.1% YoY
|
36% |
| Efficiency Ratio |
58.8%
-10.9% YoY+11.3% QoQ
|
-18.2% |
77.0%
-3.1% YoY
|
73.8%
-6.9% YoY
|
79.7%
-3.3% YoY
|
Bottom 6.4% in tier |
| Delinquency Rate |
0.4%
+68.2% YoY-69.7% QoQ
|
-0.5 |
0.9%
+4.2% YoY
|
1.2%
-2.0% YoY
|
1.3%
-2.1% YoY
|
25% |
| Loan To Share |
77.5%
-6.6% YoY-2.8% QoQ
|
+5.3% |
72.2%
-1.1% YoY
|
54.4%
-2.4% YoY
|
67.4%
-1.7% YoY
|
57% |
| AMR |
$37,374
+7.3% YoY-0.2% QoQ
|
+$13K |
$24,676
+3.4% YoY
|
$23,250
+4.8% YoY
|
$19,687
+2.0% YoY
|
Top 7.1% in tier |
| CD Concentration |
53.8%
+0.6% YoY+1.6% QoQ
|
+29.4% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.0% | 7.8% | 50% |
Signature Analysis
Strengths (5)
Organic Growth Engine
growthGrowing membership while maintaining profitability. Healthy fundamentals in place.
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
Emerging Performer
growthSmaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.
Organic Growth Leader
growthAttracting members (0.5-50% YoY) without heavy indirect auto dependency (<20%). Healthy, sustainable growth model.
Concerns (2)
Credit Quality Pressure
riskDelinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
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)