BlastPoint's Credit Union Scorecard
PLUMBERS & FITTERS LOCAL 675
Charter #24284 · HI
PLUMBERS & FITTERS LOCAL 675 has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.54% above tier average
- + Net Charge-Off Rate: Top 2.1% in tier
- + Efficiency Ratio: Top 5.0% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 2.10% above tier average
- - Loan Growth Rate: Bottom 2.8% in tier
- - Loan-to-Member Ratio (LMR): Bottom 3.2% in tier
- - AMR Growth Rate: Bottom 3.3% in tier
- - Average Member Relationship (AMR): Bottom 4.0% in tier
- - Loan-to-Share Ratio: Bottom 4.9% in tier
- - Deposit Growth Rate: Bottom 5.7% in tier
- - Fee Income Per Member: Bottom 6.4% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
876
+0.5% YoY+0.1% QoQ
|
-1.8K |
2,676
+1.6% YoY
|
19,510
+0.1% YoY
|
33,913
+5.7% YoY
|
25% |
| Assets |
$2.4M
-7.5% YoY-3.7% QoQ
|
$-27.8M |
$30.2M
+1.3% YoY
|
$385.1M
+5.4% YoY
|
$578.3M
+9.0% YoY
|
Bottom 10.9% in tier |
| Loans |
$380,117
-29.7% YoY-9.5% QoQ
|
$-14.9M |
$15.3M
-2.0% YoY
|
$193.9M
+4.9% YoY
|
$402.4M
+8.7% YoY
|
Bottom 6.3% in tier |
| Deposits |
$2.0M
-10.8% YoY-4.8% QoQ
|
$-23.8M |
$25.8M
+0.7% YoY
|
$341.1M
+4.6% YoY
|
$494.3M
+9.1% YoY
|
Bottom 11.3% in tier |
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| ROA |
0.7%
-144.7% YoY-53.6% QoQ
|
+0.5% |
0.1%
-77.6% YoY
|
0.8%
-0.9% YoY
|
0.4%
-39.2% YoY
|
54% |
| NIM |
3.0%
-3.0% YoY-9.5% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
3.2%
+6.8% YoY
|
3.8%
+4.1% YoY
|
18% |
| Efficiency Ratio |
50.3%
-0.1% YoY+17.1% QoQ
|
-40.4% |
90.6%
+6.5% YoY
|
73.4%
-3.4% YoY
|
84.6%
+2.8% YoY
|
Top 5.0% in tier |
| Delinquency Rate |
3.6%
+658.7% YoY-32.2% QoQ
|
+2.1 |
1.5%
+3.8% YoY
|
1.1%
+17.2% YoY
|
1.2%
+3.4% YoY
|
Bottom 9.0% in tier |
| Loan To Share |
19.2%
-21.2% YoY-4.9% QoQ
|
-39.3% |
58.5%
-3.0% YoY
|
53.2%
-3.6% YoY
|
65.6%
-1.4% YoY
|
Bottom 4.8% in tier |
| AMR |
$2,692
-14.9% YoY-5.7% QoQ
|
$-12K |
$14,884
-1.7% YoY
|
$23,509
+4.4% YoY
|
$19,920
+1.6% YoY
|
Bottom 3.9% in tier |
| 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)