BlastPoint's Credit Union Scorecard
GLOVER
Charter #12613 · HI
2596 CUs in <100M nationally
21 in HI
GLOVER has 8 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.39% 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 2.2% in tier
- + Net Worth Ratio: Top 4.4% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -7.2% YoY
- - Total Members: Bottom 4.6% in tier
- - Members Per Employee (MPE): Bottom 6.0% in tier
- - Total Loans: Bottom 9.6% in tier
- - Member Growth Rate: Bottom 9.8% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
194
-7.2% YoY-2.0% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
19,538
+4.7% YoY
|
33,089
+6.1% YoY
|
Bottom 4.5% in tier |
| Assets |
$2.6M
-1.8% YoY+1.4% QoQ
|
$-27.3M |
$29.9M
+1.1% YoY
|
$371.1M
+11.7% YoY
|
$547.7M
+7.8% YoY
|
Bottom 11.7% in tier |
| Loans |
$731,933
-6.1% YoY-7.1% QoQ
|
$-15.0M |
$15.8M
-2.4% YoY
|
$190.1M
+8.2% YoY
|
$388.7M
+8.6% YoY
|
Bottom 9.6% in tier |
| Deposits |
$1.7M
-5.3% YoY+1.1% QoQ
|
$-23.7M |
$25.5M
+0.4% YoY
|
$328.7M
+11.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 11.0% in tier |
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| ROA |
2.1%
+474.1% YoY+13.7% QoQ
|
+1.4% |
0.7%
-731.4% YoY
|
0.8%
+109.8% YoY
|
0.7%
+273.4% YoY
|
Top 8.1% in tier |
| NIM |
2.7%
+2.2% YoY-5.8% QoQ
|
-1.2% |
3.9%
+3.8% YoY
|
3.1%
+10.9% YoY
|
3.7%
+5.0% YoY
|
Bottom 11.1% in tier |
| Efficiency Ratio |
40.8%
+6.9% YoY-15.2% QoQ
|
-40.6% |
81.4%
-2.4% YoY
|
73.4%
-6.7% YoY
|
79.1%
-3.3% YoY
|
Bottom 2.2% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
-2.0% YoY
|
1.2%
-0.3% YoY
|
1.2%
-0.9% YoY
|
Bottom 0.0% in tier |
| Loan To Share |
42.0%
-0.8% YoY-8.1% QoQ
|
-19.2% |
61.2%
-3.0% YoY
|
55.2%
-1.0% YoY
|
68.0%
-1.7% YoY
|
22% |
| AMR |
$12,754
+1.8% YoY+0.6% QoQ
|
$-2K |
$14,627
-2.7% YoY
|
$22,988
+5.6% YoY
|
$19,418
+1.3% YoY
|
44% |
| CD Concentration | 0.0% | -24.4% |
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 (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 Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
59
Efficiency Ratio
profitability
Value:
40.82%
Peer Avg: -
#59 of 2596
Top 2.2% in <100M tier
116
Net Worth Ratio
risk
Value:
32.71%
Peer Avg: -
#116 of 2596
Top 4.4% in <100M tier
210
Return on Assets (ROA)
profitability
Value:
2.07%
Peer Avg: -
#210 of 2596
Top 8.1% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
Top Weaknesses (10 metrics)
2478
Total Members
engagement
Value:
194
Peer Avg: -
#2478 of 2596
Bottom 4.6% in <100M tier
2440
Members Per Employee (MPE)
engagement
Value:
97.000
Peer Avg: -
#2440 of 2596
Bottom 6.0% in <100M tier
2348
Total Loans
balance_sheet
Value:
$731,933
Peer Avg: -
#2348 of 2596
Bottom 9.6% in <100M tier
2342
Member Growth Rate
growth
Value:
-7.18%
Peer Avg: -
#2342 of 2596
Bottom 9.8% in <100M tier
2311
Total Deposits
balance_sheet
Value:
$1.74M
Peer Avg: -
#2311 of 2596
Bottom 11.0% in <100M tier
2307
Net Interest Margin (NIM)
profitability
Value:
2.72%
Peer Avg: -
#2307 of 2596
Bottom 11.2% in <100M tier
2292
Total Assets
balance_sheet
Value:
$2.59M
Peer Avg: -
#2292 of 2596
Bottom 11.7% in <100M tier
2260
Fee Income Per Member
profitability
Value:
$3.93
Peer Avg: -
#2260 of 2596
Bottom 13.0% in <100M tier
2171
Deposit Growth Rate
growth
Value:
-5.33%
Peer Avg: -
#2171 of 2596
Bottom 16.4% in <100M tier
2035
Loan-to-Share Ratio
balance_sheet
Value:
42.01%
Peer Avg: -
#2035 of 2596
Bottom 21.6% in <100M tier