WAILUKU

Charter #9924 | HI

100M-500M (1077 CUs) Micro
14 100M-500M in HI

WAILUKU has 10 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Wallet Share Momentum: Top 5.1% in tier
  • + Emerging Performer: Top 8.0% in tier
  • + Relationship Depth Leader: Top 22.4% 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
  • - Growth-at-Risk: Bottom 6.3% in tier
  • - Liquidity Overhang: Bottom 30.4% 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
 Bottom 17.8% in tier
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
 27th in tier
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
 Bottom 18.2% in tier
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
 53rd in tier
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
 Top 17.0% in tier
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
 62nd in tier
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
 50th in tier
Indirect Auto % 0.0% -14.0% 14.0%
-5.8% YoY
 5.1%
-6.8% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (3)

Wallet Share Momentum

growth
#142 of 1006 • Top 5.1% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 9.64%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Emerging Performer

growth
#150 of 627 • Top 8.0% in tier

Profitable credit union with positive returns. May represent growth potential worth exploring.

Why This Signature
Return on Assets: 1.82%
(Tier: 0.77%, National: 0.71%)
better than tier avg
Member Growth (YoY): -0.45%
(Tier: 0.88%, National: 9.37%)
but worse than tier avg
627 of 1077 Community CUs have this signature | 852 nationally
↑ Growing +13 CUs YoY | Rank improving

Relationship Depth Leader

growth
#618 of 1006 • Top 22.4% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 9.64%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $1.2K
(Tier: $2.8K, National: $2.0K)
but worse than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Concerns (3)

Credit Quality Pressure

risk
#37 of 736 • Bottom 1.5% in tier

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

Why This Signature
Delinquency Change (YoY): 1.09% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
736 of 1077 Community CUs have this signature | 1002 nationally
↓ Shrinking -199 CUs YoY | New qualifier

Growth-at-Risk

risk
#96 of 446 • Bottom 6.3% in tier

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

Why This Signature
Loan Growth (YoY): 4.46%
(Tier: 3.64%, National: 36.38%)
but better than tier avg
Delinquency Change (YoY): 1.09% points
(Tier: 0.04% points, National: 0.07% points)
worse than tier avg
446 of 1077 Community CUs have this signature | 646 nationally
↓ Shrinking -77 CUs YoY | New qualifier

Liquidity Overhang

risk
#471 of 552 • Bottom 30.4% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 12.46%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 79.71%
(Tier: 74.56%, National: 67.96%)
but better than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | New qualifier

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)

Comparing against 1077 peers in tier

Top Strengths (10 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
35
Efficiency Ratio
profitability
Value: 52.88%
Peer Avg: 77.28%
#35 of 1077 Top 3.2% in 100M-500M tier
56
Return on Assets (ROA)
profitability
Value: 1.82%
Peer Avg: 0.79%
#56 of 1077 Top 5.1% in 100M-500M tier
58
Deposit Growth Rate
growth
Value: 13.20%
Peer Avg: 4.69%
#58 of 1077 Top 5.3% in 100M-500M tier
75
Average Member Relationship (AMR)
engagement
Value: $37,451
Peer Avg: $24,363
#75 of 1077 Top 6.9% in 100M-500M tier
76
Loan-to-Member Ratio (LMR)
engagement
Value: $16,612
Peer Avg: $10,245
#76 of 1077 Top 7.0% in 100M-500M tier
113
AMR Growth Rate
growth
Value: 9.64%
Peer Avg: 3.64%
#113 of 1077 Top 10.4% in 100M-500M tier
151
Asset Growth Rate
growth
Value: 9.30%
Peer Avg: 4.70%
#151 of 1077 Top 13.9% in 100M-500M tier
205
Net Charge-Off Rate
risk
Value: 0.13%
Peer Avg: 0.47%
#205 of 1077 Top 18.9% in 100M-500M tier
270
Members Per Employee (MPE)
engagement
Value: 377.714
Peer Avg: 332.881
#270 of 1077 Top 25.0% in 100M-500M tier

Top Weaknesses (5 metrics)

1070
Share Certificate Concentration (%)
balance_sheet
Value: 52.95%
Peer Avg: 23.61%
#1070 of 1077 Bottom 0.7% in 100M-500M tier
1037
Total Members
engagement
Value: 5,288
Peer Avg: 15,628
#1037 of 1077 Bottom 3.8% in 100M-500M tier
895
Total Delinquency Rate (60+ days)
risk
Value: 1.38%
Peer Avg: 0.86%
#895 of 1077 Bottom 17.0% in 100M-500M tier
885
Total Assets
balance_sheet
Value: $126.02M
Peer Avg: $231.30M
#885 of 1077 Bottom 17.9% in 100M-500M tier
881
Total Deposits
balance_sheet
Value: $110.20M
Peer Avg: $200.29M
#881 of 1077 Bottom 18.3% in 100M-500M tier