PLUMBERS & FITTERS LOCAL 675
Charter #24284 · Honolulu, HI · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 2.91% sits at the 25th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 3.61% sits at the 93rd percentile of structural peers — worth a closer look.
- Net charge-off ratio of -0.75% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 50.28% ranks in the 8th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | PLUMBERS & FITTERS LOCAL 675 | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $2.44M | 35th pct | 28th pct |
| Members | 876 | 76th pct | 64th pct |
| Net worth ratio | 18.74% | 53th pct | 62th pct |
| Return on average assets | 0.67% | 60th pct | 64th pct |
| Net interest margin | 2.91% | 19th pct | 25th pct |
| Cost of funds | 0.85% | 60th pct | 61th pct |
| Loan-to-share | 19.21% | 10th pct | 11th pct |
| Delinquency 60+ days | 3.61% | 81th pct | 93th pct |
| Net charge-off ratio | -0.75% | 5th pct | 2th pct |
| Loan growth YoY | -17.37% | 10th pct | 12th pct |
| Share growth YoY | -5.76% | 14th pct | 8th pct |
| Efficiency ratio | 50.28% | 9th pct | 8th pct |
structural peer set hash: 482dcf8df66430be56e0baa2c42b3bfd… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.