Federal credit union · Honolulu, Hawaii · NCUA charter #24284
Plumbers & Fitters Local 675
Health score 62/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 62
- Health / 100
- $2.5M
- Total assets
- 875
- Members
- 18.7%
- Net-worth ratio
Plumbers & Fitters Local 675 scores 62/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $2.5M; members 875; net-worth ratio 18.74%; health rank #3,983 of 4,374; healthier than 8th of scored peers.
5300 filing masthead
NCUA 5300 Call Report Masthead
#3,983 of 4,374 health · 2025Q4Plumbers & Fitters Local 675 · health 62/100 · $2.5M · 2025Q4
- CAMELS 62/100
- HEALTH 18.7%
- NW 5.32%
- DELQ 1.58%
- ROA $2.5M
- ASSETS 875
- MEM #3,983/4,374
- RANK n/a
- PHOTO 24284
Call Report peers
Plumbers & Fitters Local 675 carries $2.5M in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Plumbers & Fitters Local 675 vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
62 8th percentile higher than 8% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Plumbers & Fitters Local 675 - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #24284: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
Plumbers & Fitters Local 675 vs $2M–$10M peers
- Return on Assets leads the peer set - 1.58% here, 0.45% peer average (+1.13 pp).
- Loan-to-Share Ratio trails the peer set - 20.21% here, 63.60% peer average (-43.39 pp).
Peer averages are NCUA 5300 means for the $2M–$10M cohort (566 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Plumbers & Fitters Local 675: in-state Call Report ranks
- Hawaii health ordinal: #43 of 45.
- Hawaii assets place: #45 of 45.
- Membership ranks #44 of 45 among Hawaii CUs with a reported count (875 members).
In-state ordinals use the live credit_unions table for HI only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Plumbers & Fitters Local 675's 5300 filing moved
Plumbers & Fitters Local 675: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -3.7% from $2.5M (2025Q4) to $2.4M (2026Q1).
- Net-worth ratio shifted +0.83 pp (17.91% → 18.74%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
18.74% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 62/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 62.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 9.6 pts
- Loan-to-Share Ratio 7.4 pts
Call Report ratios for Plumbers & Fitters Local 675
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 18.74% | -0.32 pp |
| Delinquency Rate | 5.32% | +3.51 pp |
| Return on Assets | 1.58% | +1.13 pp |
| Member Growth | 0.46% | - |
| Loan-to-Share Ratio | 20.21% | -43.39 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Call Report history - Plumbers & Fitters Local 675
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.4M | - |
| 2025Q4 | $2.5M | 875 |
| 2024Q4 | $2.6M | 871 |
| 2023Q4 | $2.7M | 858 |
Credit Union Details
- Charter Number
- 24284
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- $2M–$10M
- State
- Hawaii
- City
- Honolulu
- Data Quarter
- 2025Q4
Branch Locations (3)
The NCUA branch filing lists 3 physical offices for Plumbers & Fitters Local 675, spread across 2 cities.
| Office | City |
|---|---|
| Plumbers & Fitters Local 675 FCU (Main Office) | Honolulu, HI |
| Pacific Business Services | HONOLULU, HI |
| IBEW 1186 FCU | Honolulu, HI |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Hawaii
Other federally-insured credit unions in Hawaii, closest first by peer group and asset size.
Other-state peers near Plumbers & Fitters Local 675
Two NCUA Call Report peer sets for Plumbers & Fitters Local 675, both outside Hawaii so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (62/100 here).
Using this data
- Plumbers & Fitters Local 675 ranks #3,983 of 4,374 nationally on financial health and #43 of 45 in HI -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- GLOVER is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with GLOVER
- Rates and health both vary by institution, not just by state -- see how Hawaii credit unions compare overall before assuming this one is typical. Hawaii state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Plumbers & Fitters Local 675 financially healthy?
Plumbers & Fitters Local 675 has a financial health score of 62/100 (Good) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,983 of 4,374; by total assets it ranks #4,089 of 4,374 nationally (same basis as /rankings/largest); and #45 of 45 within Hawaii. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 18.74% and delinquency rate of 5.32%.
How does Plumbers & Fitters Local 675 compare to other credit unions?
PlainCU's health composite puts Plumbers & Fitters Local 675 at 62/100, compared to a peer group average for $2M–$10M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Plumbers & Fitters Local 675?
Plumbers & Fitters Local 675 serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Plumbers & Fitters Local 675 directly for the current list of qualifying groups.
Is my money safe at Plumbers & Fitters Local 675?
Federal credit unions like Plumbers & Fitters Local 675 are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Plumbers & Fitters Local 675's net worth ratio of 18.74% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Plumbers & Fitters Local 675 offer compared to banks?
Credit unions like Plumbers & Fitters Local 675 are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Plumbers & Fitters Local 675 directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.