BlastPoint's Credit Union Scorecard
PLUMBERS & FITTERS LOCAL 675
Charter #24284 · HI
PLUMBERS & FITTERS LOCAL 675 has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Efficiency Ratio: Top 2.7% in tier
Key Concerns
Areas that may need attention
- - ROA 0.20% below tier average
- - Delinquency rate 5.00% above tier average
- - Net Charge-Off Rate: Bottom 1.2% in tier
- - Loan Growth Rate: Bottom 2.3% in tier
- - Loan-to-Member Ratio (LMR): Bottom 2.6% in tier
- - Average Member Relationship (AMR): Bottom 3.4% in tier
- - AMR Growth Rate: Bottom 3.7% in tier
- - Loan-to-Share Ratio: Bottom 4.1% 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 -10.8% year over year ($1.9M in shares and deposits).
- Membership: 877 members, +0.5% vs a year ago.
- Delinquency rate 6.55%.
- Return on assets 1.29%.
- Efficiency ratio 45.62% vs a 88.77% peer average.
- Loan-to-share ratio 17.51% 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 |
877
+0.5% YoY+0.1% QoQ
|
-1.7K |
2,585
-1.7% YoY
|
19,590
+0.5% YoY
|
34,678
+6.6% YoY
|
25% |
| Assets |
$2.3M
-7.3% YoY-4.2% QoQ
|
$-27.9M |
$30.3M
+1.5% YoY
|
$386.0M
+4.8% YoY
|
$593.1M
+10.2% YoY
|
Bottom 10.4% in tier |
| Loans |
$327,092
-32.0% YoY-13.9% QoQ
|
$-15.1M |
$15.5M
-1.7% YoY
|
$197.3M
+5.5% YoY
|
$418.6M
+10.1% YoY
|
Bottom 5.5% in tier |
| Deposits |
$1.9M
-10.8% YoY-5.6% QoQ
|
$-23.9M |
$25.8M
+1.1% YoY
|
$341.6M
+4.3% YoY
|
$504.8M
+10.3% YoY
|
Bottom 10.8% in tier |
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| ROA |
1.3%
+61.3% YoY+87.5% QoQ
|
-0.2% |
1.5%
+241.5% YoY
|
1.0%
+38.1% YoY
|
1.2%
+121.4% YoY
|
73% |
| NIM |
3.1%
+1.8% YoY+3.8% QoQ
|
-0.8% |
3.9%
+0.9% YoY
|
3.2%
+7.0% YoY
|
3.8%
+2.3% YoY
|
19% |
| Efficiency Ratio |
45.6%
-5.2% YoY-9.3% QoQ
|
-43.1% |
88.8%
-6.9% YoY
|
73.0%
-3.2% YoY
|
83.0%
-5.3% YoY
|
Top 2.7% in tier |
| Delinquency Rate |
6.5%
+55.8% YoY+81.5% QoQ
|
+5.0 |
1.5%
+2.1% YoY
|
1.3%
-1.1% YoY
|
1.3%
+2.6% YoY
|
Bottom 4.4% in tier |
| Loan To Share |
17.5%
-23.7% YoY-8.9% QoQ
|
-41.4% |
58.9%
-3.1% YoY
|
53.4%
-3.2% YoY
|
66.4%
-1.4% YoY
|
Bottom 4.0% in tier |
| AMR |
$2,503
-15.2% YoY-7.0% QoQ
|
$-12K |
$14,963
-6.8% YoY
|
$23,604
+3.8% YoY
|
$20,028
-0.9% YoY
|
Bottom 3.4% in tier |
| 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)