BlastPoint's Credit Union Scorecard

WAILUKU

Charter #9924 · HI

100M-500M

1024 CUs in 100M-500M nationally 15 in HI

WAILUKU has 8 strengths but faces 5 concerns

National Analysis

How does the industry compare?

HI Analysis

How does HI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Organic Growth Engine: Top 50.0% in tier
+ Emerging Performer: Top 50.0% in tier
+ Relationship Depth Leader: Top 50.0% in tier
+ Organic Growth Leader: Top 50.0% in tier
+ Wallet Share Momentum: Top 50.0% in tier
+ ROA 1.09% above tier average
+ Efficiency Ratio: Top 3.5% in tier
+ Loan-to-Member Ratio (LMR): Top 6.3% in tier

Key Concerns

Areas that may need attention

- Credit Risk Growth: Bottom 50.0% in tier
- Credit Quality Pressure: Bottom 50.0% in tier
- Delinquency rate 0.30% above tier average
- Share Certificate Concentration (%): Bottom 0.5% in tier
- Total Members: Bottom 4.7% 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 +6.5% year over year ($118M in shares and deposits).
Membership: 5,396 members, +2.0% vs a year ago.
Delinquency rate 1.18%.
Return on assets 1.95%.
Efficiency ratio 54.01% vs a 76.73% peer average.
Loan-to-share ratio 79.35% 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	5,396 +2.0% YoY+0.2% QoQ	-9.8K	15,168 -2.6% YoY	19,590 +0.5% YoY	34,678 +6.6% YoY	Bottom 4.6% in tier
Assets	$135.4M +7.4% YoY+2.5% QoQ	$-96.6M	$232.0M +0.7% YoY	$386.0M +4.8% YoY	$593.1M +10.2% YoY	23%
Loans	$94.0M +8.7% YoY+3.8% QoQ	$-52.3M	$146.3M +0.2% YoY	$197.3M +5.5% YoY	$418.6M +10.1% YoY	33%
Deposits	$118.4M +6.5% YoY+2.8% QoQ	$-82.3M	$200.7M +0.2% YoY	$341.6M +4.3% YoY	$504.8M +10.3% YoY	23%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	2.0% +16.3% YoY+27.8% QoQ	+1.1%	0.9% +12.5% YoY	1.0% +38.1% YoY	1.2% +121.4% YoY	Top 3.8% in tier
NIM	3.7% +4.3% YoY+3.1% QoQ	+0.0%	3.7% +4.5% YoY	3.2% +7.0% YoY	3.8% +2.3% YoY	53%
Efficiency Ratio	54.0% -5.5% YoY-13.0% QoQ	-22.7%	76.7% -0.8% YoY	73.0% -3.2% YoY	83.0% -5.3% YoY	Top 3.5% in tier
Delinquency Rate	1.2% +251.5% YoY+359.5% QoQ	+0.3	0.9% +6.6% YoY	1.3% -1.1% YoY	1.3% +2.6% YoY	77%
Loan To Share	79.3% +2.1% YoY+1.0% QoQ	+7.8%	71.5% -0.3% YoY	53.4% -3.2% YoY	66.4% -1.4% YoY	63%
AMR	$39,358 +5.3% YoY+3.0% QoQ	+$14K	$25,107 +3.2% YoY	$23,604 +3.8% YoY	$20,028 -0.9% YoY	Top 6.6% in tier
CD Concentration	56.1% +5.0% YoY+1.0% QoQ	+31.6%	24.6%	25.0%	20.0%	50%
Indirect Auto %	0.0%	-13.6%	13.6%	4.8%	7.7%	50%

Signature Analysis

Strengths (5)

Organic Growth Engine

growth

#43 of 344 • Top 50.0% in tier

Growing membership while maintaining profitability. Healthy fundamentals in place.

Why This Signature

Member Growth (YoY): 2.04%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Return on Assets: 1.95%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

344 of 1024 Mid-Small & Community CUs have this signature | 490 nationally

↓ Shrinking -271 CUs YoY | New qualifier

Emerging Performer

growth

#51 of 175 • Top 50.0% in tier

Smaller CU (bottom 50% by assets in tier) with strong profitability (ROA > 0.5%) AND growth (members >= 1%). Emerging leaders worth watching.

Why This Signature

Return on Assets: 1.95%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Member Growth (YoY): 2.04%

(Tier: 0.46%, National: 15.67%)

better than tier avg

175 of 1024 Mid-Small & Community CUs have this signature | 283 nationally

→ Stable (178→175 CUs) -3 CUs YoY | New qualifier

Relationship Depth Leader

growth

#131 of 262 • Top 50.0% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 5.35%

(Tier: 3.97%, National: 35.20%)

better than tier avg

Share Draft per Member: $1.2K

(Tier: $2.9K, National: $2.1K)

but worse than tier avg

262 of 1024 Mid-Small & Community CUs have this signature | 354 nationally

↑ Growing +11 CUs YoY | Rank worsening

Organic Growth Leader

growth

#205 of 342 • Top 50.0% in tier

Attracting members (0.5-50% YoY) without heavy indirect auto dependency (<15%). Healthy, sustainable growth model.

Why This Signature

Member Growth (YoY): 2.04%

(Tier: 0.46%, National: 15.67%)

better than tier avg

Indirect Auto %: 0.00%

(Tier: 13.63%, National: 7.71%)

better than tier avg

342 of 1024 Mid-Small & Community CUs have this signature | 485 nationally

↓ Shrinking -91 CUs YoY | New qualifier

Wallet Share Momentum

growth

#454 of 483 • Top 50.0% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 5.35%

(Tier: 3.97%, National: 35.20%)

better than tier avg

483 of 1024 Mid-Small & Community CUs have this signature | 635 nationally

↑ Growing +52 CUs YoY | Rank worsening

Concerns (2)

Credit Risk Growth

risk

#32 of 472 • Bottom 50.0% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 8.74%

(Tier: 4.13%, National: 78.26%)

but better than tier avg

Delinquency Change (YoY): 0.84% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

472 of 1024 Mid-Small & Community CUs have this signature | 688 nationally

↑ Growing +32 CUs YoY | Rank improving

Credit Quality Pressure

risk

#62 of 693 • Bottom 50.0% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.84% points

(Tier: 0.04% points, National: 0.08% points)

worse than tier avg

693 of 1024 Mid-Small & Community CUs have this signature | 962 nationally

↓ Shrinking -83 CUs YoY | Rank improving

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)

Compare against:

Comparing against 1024 peers in tier

Top Strengths (10 metrics)

Indirect Auto Concentration (%)

balance_sheet

Value: 0.00%

Peer Median: 6.15%

#1 of 1024 Top 0.1% in 100M-500M tier

Efficiency Ratio

profitability

Value: 54.01%

Peer Median: 77.26%

#37 of 1024 Top 3.5% in 100M-500M tier

Return on Assets (ROA)

profitability

Value: 1.95%

Peer Median: 0.75%

#39 of 1024 Top 3.7% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $17,413

Peer Median: $9,434

#66 of 1024 Top 6.3% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $39,358

Peer Median: $23,006

#68 of 1024 Top 6.5% in 100M-500M tier

214

Loan Growth Rate

growth

Value: 8.74%

Peer Median: 3.02%

#214 of 1024 Top 20.8% in 100M-500M tier

216

Asset Growth Rate

growth

Value: 7.41%

Peer Median: 4.12%

#216 of 1024 Top 21.0% in 100M-500M tier

234

Members Per Employee (MPE)

engagement

Value: 385.429

Peer Median: 310.924

#234 of 1024 Top 22.8% in 100M-500M tier

248

Net Charge-Off Rate

risk

Value: 0.15%

Peer Median: 0.34%

#248 of 1024 Top 24.1% in 100M-500M tier

249

Deposit Growth Rate

growth

Value: 6.53%

Peer Median: 3.58%

#249 of 1024 Top 24.2% in 100M-500M tier

Top Weaknesses (5 metrics)

1020

Share Certificate Concentration (%)

balance_sheet

Value: 56.11%

Peer Median: 23.39%

#1020 of 1024 Bottom 0.5% in 100M-500M tier

977

Total Members

engagement

Value: 5,396

Peer Median: 13,128

#977 of 1024 Bottom 4.7% in 100M-500M tier

793

Total Assets

balance_sheet

Value: $135.39M

Peer Median: $196.38M

#793 of 1024 Bottom 22.7% in 100M-500M tier

788

Total Delinquency Rate (60+ days)

risk

Value: 1.18%

Peer Median: 0.71%

#788 of 1024 Bottom 23.1% in 100M-500M tier

787

Total Deposits

balance_sheet

Value: $118.41M

Peer Median: $170.77M

#787 of 1024 Bottom 23.2% in 100M-500M tier