BlastPoint's Credit Union Scorecard
GLOVER
Charter #12613 · HI
GLOVER has 2 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Net Worth Ratio: Top 3.8% in tier
Key Concerns
Areas that may need attention
- - ROA 0.43% below tier average
- - Member decline: -5.1% YoY
- - Total Members: Bottom 4.3% in tier
- - Net Interest Margin (NIM): Bottom 5.1% in tier
- - Members Per Employee (MPE): Bottom 5.7% in tier
- - Loan Growth Rate: Bottom 8.1% in tier
- - Total Loans: Bottom 8.8% 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 2,437 credit unions with under $100M in assets nationally, and 1 of 20 that size in Hawaii.
- Shares and deposits -3.0% year over year ($1.7M in shares and deposits).
- Membership: 188 members, -5.1% vs a year ago.
- Delinquency rate 0.00%.
- Return on assets 1.07%.
- Efficiency ratio 59.13% vs a 88.77% peer average.
- Loan-to-share ratio 38.53% vs a 58.89% 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 |
188
-5.1% YoY+0.5% QoQ
|
-2.4K |
2,585
-1.7% YoY
|
19,590
+0.5% YoY
|
34,678
+6.6% YoY
|
Bottom 4.3% in tier |
| Assets |
$2.6M
-0.2% YoY+1.1% QoQ
|
$-27.7M |
$30.3M
+1.5% YoY
|
$386.0M
+4.8% YoY
|
$593.1M
+10.2% YoY
|
Bottom 11.1% in tier |
| Loans |
$643,783
-18.3% YoY-11.0% QoQ
|
$-14.8M |
$15.5M
-1.7% YoY
|
$197.3M
+5.5% YoY
|
$418.6M
+10.1% YoY
|
Bottom 8.7% in tier |
| Deposits |
$1.7M
-3.0% YoY+1.3% QoQ
|
$-24.1M |
$25.8M
+1.1% YoY
|
$341.6M
+4.3% YoY
|
$504.8M
+10.3% YoY
|
Bottom 10.1% in tier |
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| ROA |
1.1%
-41.3% YoY+9.4% QoQ
|
-0.4% |
1.5%
+241.5% YoY
|
1.0%
+38.1% YoY
|
1.2%
+121.4% YoY
|
64% |
| NIM |
2.3%
-21.0% YoY-2.8% QoQ
|
-1.6% |
3.9%
+0.9% YoY
|
3.2%
+7.0% YoY
|
3.8%
+2.3% YoY
|
Bottom 5.1% in tier |
| Efficiency Ratio |
59.1%
+22.8% YoY+118.8% QoQ
|
-29.6% |
88.8%
-6.9% YoY
|
73.0%
-3.2% YoY
|
83.0%
-5.3% YoY
|
Top 11.0% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+2.1% YoY
|
1.3%
-1.1% YoY
|
1.3%
+2.6% YoY
|
Top 0.1% in tier |
| Loan To Share |
38.5%
-15.7% YoY-12.1% QoQ
|
-20.4% |
58.9%
-3.1% YoY
|
53.4%
-3.2% YoY
|
66.4%
-1.4% YoY
|
20% |
| AMR |
$12,313
-2.9% YoY-3.0% QoQ
|
$-3K |
$14,963
-6.8% YoY
|
$23,604
+3.8% YoY
|
$20,028
-0.9% YoY
|
41% |
| CD Concentration | 0.0% | -24.6% | 24.6% | 25.0% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 4.8% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
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)