BlastPoint's Credit Union Scorecard
GLOVER
Charter #12613 · HI
GLOVER has 4 strengths but faces 5 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.83% above tier average
- + Total Delinquency Rate (60+ days): Top 0.1% in tier
- + Efficiency Ratio: Top 0.8% in tier
- + Net Worth Ratio: Top 3.7% in tier
Key Concerns
Areas that may need attention
- - Member decline: -5.6% YoY
- - Total Members: Bottom 4.2% in tier
- - Members Per Employee (MPE): Bottom 5.7% in tier
- - Net Interest Margin (NIM): Bottom 6.2% in tier
- - Total Loans: Bottom 9.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
187
-5.6% YoY-0.5% QoQ
|
-2.5K |
2,676
+1.6% YoY
|
19,510
+0.1% YoY
|
33,913
+5.7% YoY
|
Bottom 4.1% in tier |
| Assets |
$2.5M
-0.3% YoY-1.3% QoQ
|
$-27.7M |
$30.2M
+1.3% YoY
|
$385.1M
+5.4% YoY
|
$578.3M
+9.0% YoY
|
Bottom 11.2% in tier |
| Loans |
$723,344
-10.4% YoY+8.9% QoQ
|
$-14.6M |
$15.3M
-2.0% YoY
|
$193.9M
+4.9% YoY
|
$402.4M
+8.7% YoY
|
Bottom 9.3% in tier |
| Deposits |
$1.7M
-3.2% YoY-2.3% QoQ
|
$-24.1M |
$25.8M
+0.7% YoY
|
$341.1M
+4.6% YoY
|
$494.3M
+9.1% YoY
|
Bottom 10.2% in tier |
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| ROA |
1.0%
-61.5% YoY-56.6% QoQ
|
+0.8% |
0.1%
-77.6% YoY
|
0.8%
-0.9% YoY
|
0.4%
-39.2% YoY
|
68% |
| NIM |
2.3%
-18.0% YoY-11.9% QoQ
|
-1.7% |
4.0%
+4.0% YoY
|
3.2%
+6.8% YoY
|
3.8%
+4.1% YoY
|
Bottom 6.2% in tier |
| Efficiency Ratio |
27.0%
+6.6% YoY-26.1% QoQ
|
-63.6% |
90.6%
+6.5% YoY
|
73.4%
-3.4% YoY
|
84.6%
+2.8% YoY
|
Top 0.8% in tier |
| Delinquency Rate | 0.0% | -1.5 |
1.5%
+3.8% YoY
|
1.1%
+17.2% YoY
|
1.2%
+3.4% YoY
|
Top 0.1% in tier |
| Loan To Share |
43.8%
-7.5% YoY+11.5% QoQ
|
-14.7% |
58.5%
-3.0% YoY
|
53.2%
-3.6% YoY
|
65.6%
-1.4% YoY
|
27% |
| AMR |
$12,692
+0.0% YoY+1.4% QoQ
|
$-2K |
$14,884
-1.7% YoY
|
$23,509
+4.4% YoY
|
$19,920
+1.6% YoY
|
43% |
| CD Concentration | 0.0% | -24.3% | 24.3% | 24.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 4.9% | 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)