BlastPoint's Credit Union Scorecard
PLUMBERS & FITTERS LOCAL 675
Charter #24284 · HI
PLUMBERS & FITTERS LOCAL 675 has 6 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.64% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Net Charge-Off Rate: Top 1.7% in tier
- + Efficiency Ratio: Top 3.2% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 1.47% above tier average
- - Loan-to-Member Ratio (LMR): Bottom 3.9% in tier
- - Average Member Relationship (AMR): Bottom 4.7% in tier
- - Loan-to-Share Ratio: Bottom 5.4% in tier
- - Fee Income Per Member: Bottom 6.9% in tier
- - Total Loans: Bottom 7.1% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
875
+0.8% YoY+0.2% QoQ
|
-1.8K |
2,625
-2.2% YoY
|
19,538
+4.7% YoY
|
33,089
+6.1% YoY
|
25% |
| Assets |
$2.5M
+1.6% YoY+0.9% QoQ
|
$-27.3M |
$29.9M
+1.1% YoY
|
$371.1M
+11.7% YoY
|
$547.7M
+7.8% YoY
|
Bottom 11.6% in tier |
| Loans |
$460,011
-15.9% YoY-4.4% QoQ
|
$-15.3M |
$15.8M
-2.4% YoY
|
$190.1M
+8.2% YoY
|
$388.7M
+8.6% YoY
|
Bottom 7.1% in tier |
| Deposits |
$2.1M
+0.2% YoY+0.2% QoQ
|
$-23.4M |
$25.5M
+0.4% YoY
|
$328.7M
+11.9% YoY
|
$464.6M
+9.3% YoY
|
Bottom 12.2% in tier |
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| ROA |
1.3%
-1.0% YoY+65.8% QoQ
|
+0.6% |
0.7%
-731.4% YoY
|
0.8%
+109.8% YoY
|
0.7%
+273.4% YoY
|
75% |
| NIM |
3.3%
+10.3% YoY+8.5% QoQ
|
-0.7% |
3.9%
+3.8% YoY
|
3.1%
+10.9% YoY
|
3.7%
+5.0% YoY
|
26% |
| Efficiency Ratio |
43.8%
-4.3% YoY-9.0% QoQ
|
-37.6% |
81.4%
-2.4% YoY
|
73.4%
-6.7% YoY
|
79.1%
-3.3% YoY
|
Bottom 3.2% in tier |
| Delinquency Rate |
3.0%
-72.2% YoY-29.1% QoQ
|
+1.5 |
1.5%
-2.0% YoY
|
1.2%
-0.3% YoY
|
1.2%
-0.9% YoY
|
Top 11.9% in tier |
| Loan To Share |
21.9%
-16.0% YoY-4.5% QoQ
|
-39.3% |
61.2%
-3.0% YoY
|
55.2%
-1.0% YoY
|
68.0%
-1.7% YoY
|
Bottom 5.2% in tier |
| AMR |
$2,925
-3.9% YoY-0.9% QoQ
|
$-12K |
$14,627
-2.7% YoY
|
$22,988
+5.6% YoY
|
$19,418
+1.3% YoY
|
Bottom 4.7% in tier |
| 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)
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)