BlastPoint's Credit Union Scorecard
PLUMBERS & FITTERS LOCAL 675
Charter #24284 · HI
2556 CUs in <100M nationally
21 in HI
PLUMBERS & FITTERS LOCAL 675 has 6 strengths but faces 9 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.86% 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 1.1% in tier
- + Efficiency Ratio: Top 2.1% in tier
Key Concerns
Areas that may need attention
- - Delinquency rate 3.76% above tier average
- - Loan-to-Member Ratio (LMR): Bottom 3.3% in tier
- - Loan Growth Rate: Bottom 4.2% in tier
- - Average Member Relationship (AMR): Bottom 4.4% in tier
- - Loan-to-Share Ratio: Bottom 5.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.7% in tier
- - Fee Income Per Member: Bottom 5.8% in tier
- - Total Loans: Bottom 6.5% in tier
- - AMR Growth Rate: Bottom 7.7% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (HI) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
875
+0.5% YoY0% QoQ
|
-1.7K |
2,615
-1.9% YoY
|
19,461
+2.6% YoY
|
33,374
+5.7% YoY
|
25% |
| Assets |
$2.5M
-2.5% YoY-0.4% QoQ
|
$-27.6M |
$30.1M
+2.1% YoY
|
$378.0M
+8.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 11.2% in tier |
| Loans |
$419,936
-22.9% YoY-8.7% QoQ
|
$-15.3M |
$15.8M
-1.3% YoY
|
$192.6M
+6.6% YoY
|
$397.0M
+8.8% YoY
|
Bottom 6.5% in tier |
| Deposits |
$2.1M
-4.8% YoY-1.0% QoQ
|
$-23.6M |
$25.7M
+1.4% YoY
|
$334.4M
+8.0% YoY
|
$477.3M
+9.7% YoY
|
Bottom 11.8% in tier |
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| ROA |
1.5%
-5.7% YoY+11.8% QoQ
|
+0.9% |
0.6%
+10.8% YoY
|
0.8%
+46.9% YoY
|
0.7%
+15.9% YoY
|
83% |
| NIM |
3.3%
+3.1% YoY-0.1% QoQ
|
-0.7% |
4.0%
+4.0% YoY
|
3.1%
+6.7% YoY
|
3.8%
+5.1% YoY
|
27% |
| Efficiency Ratio |
42.9%
+1.6% YoY-2.0% QoQ
|
-39.6% |
82.6%
-2.3% YoY
|
73.8%
-6.9% YoY
|
79.7%
-3.3% YoY
|
Bottom 2.1% in tier |
| Delinquency Rate |
5.3%
-24.8% YoY+78.4% QoQ
|
+3.8 |
1.6%
-3.1% YoY
|
1.2%
-2.0% YoY
|
1.3%
-2.1% YoY
|
Top 5.7% in tier |
| Loan To Share |
20.2%
-19.0% YoY-7.8% QoQ
|
-40.4% |
60.6%
-3.1% YoY
|
54.4%
-2.4% YoY
|
67.4%
-1.7% YoY
|
Bottom 4.9% in tier |
| AMR |
$2,855
-8.8% YoY-2.4% QoQ
|
$-12K |
$14,783
-1.4% YoY
|
$23,250
+4.8% YoY
|
$19,687
+2.0% YoY
|
Bottom 4.3% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 24.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 5.0% | 7.8% | 50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
29
Net Charge-Off Rate
risk
Value:
-0.48%
Peer Median: -
#29 of 2556
Top 1.1% in <100M tier
54
Efficiency Ratio
profitability
Value:
42.92%
Peer Median: -
#54 of 2556
Top 2.1% in <100M tier
432
Return on Assets (ROA)
profitability
Value:
1.48%
Peer Median: -
#432 of 2556
Top 16.9% in <100M tier
Top Weaknesses (12 metrics)
2473
Loan-to-Member Ratio (LMR)
engagement
Value:
$479.93
Peer Median: -
#2473 of 2556
Bottom 3.3% in <100M tier
2449
Loan Growth Rate
growth
Value:
-22.86%
Peer Median: -
#2449 of 2556
Bottom 4.2% in <100M tier
2445
Average Member Relationship (AMR)
engagement
Value:
$2,855
Peer Median: -
#2445 of 2556
Bottom 4.4% in <100M tier
2429
Loan-to-Share Ratio
balance_sheet
Value:
20.21%
Peer Median: -
#2429 of 2556
Bottom 5.0% in <100M tier
2412
Total Delinquency Rate (60+ days)
risk
Value:
5.32%
Peer Median: -
#2412 of 2556
Bottom 5.7% in <100M tier
2408
Fee Income Per Member
profitability
Value:
$0.57
Peer Median: -
#2408 of 2556
Bottom 5.8% in <100M tier
2391
Total Loans
balance_sheet
Value:
$419,936
Peer Median: -
#2391 of 2556
Bottom 6.5% in <100M tier
2360
AMR Growth Rate
growth
Value:
-8.79%
Peer Median: -
#2360 of 2556
Bottom 7.7% in <100M tier
2271
Total Assets
balance_sheet
Value:
$2.53M
Peer Median: -
#2271 of 2556
Bottom 11.2% in <100M tier
2254
Total Deposits
balance_sheet
Value:
$2.08M
Peer Median: -
#2254 of 2556
Bottom 11.9% in <100M tier