BlastPoint's Credit Union Scorecard
WAILUKU
Charter #9924 · HI
WAILUKU has 10 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Relationship Depth Leader: Top 13.3% in tier
- + Profitability Leader: Top 18.3% in tier
- + Wallet Share Momentum: Top 29.4% in tier
- + ROA 1.03% above tier average
- + Net Interest Margin 0.04% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 3.2% in tier
- + Deposit Growth Rate: Top 5.3% in tier
- + Average Member Relationship (AMR): Top 6.9% in tier
- + Loan-to-Member Ratio (LMR): Top 7.0% in tier
Key Concerns
Areas that may need attention
- - Credit Quality Pressure: Bottom 1.5% in tier
- - Credit Risk Growth: Bottom 6.3% in tier
- - Delinquency rate 0.52% above tier average
- - Share Certificate Concentration (%): Bottom 0.7% in tier
- - Total Members: Bottom 3.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
5,288
-0.5% YoY0% QoQ
|
-10.3K |
15,628
-3.4% YoY
|
19,538
+4.7% YoY
|
33,089
+6.1% YoY
|
Bottom 3.7% in tier |
| Assets |
$126.0M
+9.3% YoY-0.0% QoQ
|
$-105.3M |
$231.3M
-0.0% YoY
|
$371.1M
+11.7% YoY
|
$547.7M
+7.8% YoY
|
18% |
| Loans |
$87.8M
+4.5% YoY+1.7% QoQ
|
$-60.0M |
$147.8M
-1.4% YoY
|
$190.1M
+8.2% YoY
|
$388.7M
+8.6% YoY
|
27% |
| Deposits |
$110.2M
+13.2% YoY-0.9% QoQ
|
$-90.1M |
$200.3M
-0.0% YoY
|
$328.7M
+11.9% YoY
|
$464.6M
+9.3% YoY
|
18% |
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| ROA |
1.8%
+80.1% YoY+8.6% QoQ
|
+1.0% |
0.8%
+15.5% YoY
|
0.8%
+109.8% YoY
|
0.7%
+273.4% YoY
|
Top 5.2% in tier |
| NIM |
3.6%
+19.7% YoY+1.4% QoQ
|
+0.0% |
3.6%
+6.9% YoY
|
3.1%
+10.9% YoY
|
3.7%
+5.0% YoY
|
53% |
| Efficiency Ratio |
52.9%
-19.7% YoY-7.4% QoQ
|
-24.4% |
77.3%
-3.0% YoY
|
73.4%
-6.7% YoY
|
79.1%
-3.3% YoY
|
Bottom 3.2% in tier |
| Delinquency Rate |
1.4%
+371.2% YoY+310.7% QoQ
|
+0.5 |
0.9%
+7.6% YoY
|
1.2%
-0.3% YoY
|
1.2%
-0.9% YoY
|
83% |
| Loan To Share |
79.7%
-7.7% YoY+2.5% QoQ
|
+7.0% |
72.7%
-1.5% YoY
|
55.2%
-1.0% YoY
|
68.0%
-1.7% YoY
|
62% |
| AMR |
$37,451
+9.6% YoY+0.2% QoQ
|
+$13K |
$24,363
+2.9% YoY
|
$22,988
+5.6% YoY
|
$19,418
+1.3% YoY
|
Top 7.0% in tier |
| CD Concentration |
53.0%
-1.1% YoY-0.9% QoQ
|
+28.5% |
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 (3)
Relationship Depth Leader
growthTop-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.
Profitability Leader
growthTop-tier profitability (ROA in top 25% of peer group). Strong fundamentals and operational efficiency.
Wallet Share Momentum
growthAverage member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.
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)