BlastPoint's Credit Union Scorecard
GLOVER
Charter #12613 · HI
2556 CUs in <100M nationally
21 in HI
GLOVER has 8 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.63% above tier average
- + Total Delinquency Rate (60+ days): Top 0.0% in tier
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Efficiency Ratio: Top 1.1% in tier
- + Net Worth Ratio: Top 4.0% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - Member decline: -8.7% YoY
- - Total Members: Bottom 4.3% in tier
- - Loan Growth Rate: Bottom 5.2% in tier
- - Members Per Employee (MPE): Bottom 5.6% in tier
- - Member Growth Rate: Bottom 6.8% in tier
- - Total Loans: Bottom 8.9% in tier
- - Deposit Growth Rate: Bottom 9.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
188
-8.7% YoY-3.1% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
19,461
+2.6% YoY
|
33,374
+5.7% YoY
|
Bottom 4.2% in tier |
| Assets |
$2.6M
-4.1% YoY-1.3% QoQ
|
$-27.6M |
$30.1M
+2.1% YoY
|
$378.0M
+8.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 11.3% in tier |
| Loans |
$664,206
-20.7% YoY-9.3% QoQ
|
$-15.1M |
$15.8M
-1.3% YoY
|
$192.6M
+6.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 8.9% in tier |
| Deposits |
$1.7M
-8.7% YoY-3.0% QoQ
|
$-24.0M |
$25.7M
+1.4% YoY
|
$334.4M
+8.0% YoY
|
$477.3M
+9.7% YoY
|
Bottom 10.3% in tier |
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| ROA |
2.2%
+234.7% YoY+8.6% QoQ
|
+1.6% |
0.6%
+10.8% YoY
|
0.8%
+46.9% YoY
|
0.7%
+15.9% YoY
|
Top 4.6% in tier |
| NIM |
2.7%
-1.0% YoY-2.2% QoQ
|
-1.3% |
4.0%
+4.0% YoY
|
3.1%
+6.7% YoY
|
3.8%
+5.1% YoY
|
Bottom 10.7% in tier |
| Efficiency Ratio |
36.6%
+10.7% YoY-10.4% QoQ
|
-46.0% |
82.6%
-2.3% YoY
|
73.8%
-6.9% YoY
|
79.7%
-3.3% YoY
|
Bottom 1.1% in tier |
| Delinquency Rate | 0.0% | -1.6 |
1.6%
-3.1% YoY
|
1.2%
-2.0% YoY
|
1.3%
-2.1% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
39.3%
-13.2% YoY-6.4% QoQ
|
-21.3% |
60.6%
-3.1% YoY
|
54.4%
-2.4% YoY
|
67.4%
-1.7% YoY
|
19% |
| AMR |
$12,521
-4.0% YoY-1.8% QoQ
|
$-2K |
$14,783
-1.4% YoY
|
$23,250
+4.8% YoY
|
$19,687
+2.0% YoY
|
43% |
| CD Concentration | 0.0% | -24.4% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.0% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (8 metrics)
1
Total Delinquency Rate (60+ days)
risk
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
30
Efficiency Ratio
profitability
Value:
36.59%
Peer Median: -
#30 of 2556
Top 1.1% in <100M tier
102
Net Worth Ratio
risk
Value:
33.86%
Peer Median: -
#102 of 2556
Top 4.0% in <100M tier
117
Return on Assets (ROA)
profitability
Value:
2.25%
Peer Median: -
#117 of 2556
Top 4.5% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
Top Weaknesses (13 metrics)
2447
Total Members
engagement
Value:
188
Peer Median: -
#2447 of 2556
Bottom 4.3% in <100M tier
2424
Loan Growth Rate
growth
Value:
-20.73%
Peer Median: -
#2424 of 2556
Bottom 5.2% in <100M tier
2413
Members Per Employee (MPE)
engagement
Value:
94.000
Peer Median: -
#2413 of 2556
Bottom 5.6% in <100M tier
2384
Member Growth Rate
growth
Value:
-8.74%
Peer Median: -
#2384 of 2556
Bottom 6.8% in <100M tier
2329
Total Loans
balance_sheet
Value:
$664,206
Peer Median: -
#2329 of 2556
Bottom 8.9% in <100M tier
2320
Deposit Growth Rate
growth
Value:
-8.66%
Peer Median: -
#2320 of 2556
Bottom 9.3% in <100M tier
2292
Total Deposits
balance_sheet
Value:
$1.69M
Peer Median: -
#2292 of 2556
Bottom 10.4% in <100M tier
2282
Net Interest Margin (NIM)
profitability
Value:
2.66%
Peer Median: -
#2282 of 2556
Bottom 10.8% in <100M tier
2267
Total Assets
balance_sheet
Value:
$2.56M
Peer Median: -
#2267 of 2556
Bottom 11.3% in <100M tier
2245
Fee Income Per Member
profitability
Value:
$3.93
Peer Median: -
#2245 of 2556
Bottom 12.2% in <100M tier