Federal credit union · Honolulu, Hawaii · NCUA charter #24284
Plumbers & Fitters Local 675
Health score 62/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 62
- Health / 100
- $2.5M
- Total assets
- 875
- Members
- 17.9%
- Net-worth ratio
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 - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)0
- Earnings (ROA)100
- Member growth64
- Liquidity (loan-to-share)52
Weighted composite: 62/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
17.88% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 17.88% | 30% |
| Delinquency Rate | 5.32% | 25% |
| Return on Assets | 1.58% | 15% |
| Member Growth | 0.46% | 15% |
| Loan-to-Share Ratio | 20.21% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $2M–$10M (566 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 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
What This Data Says About Plumbers & Fitters Local 675
Headquartered in Honolulu, Hawaii, Plumbers & Fitters Local 675 is a federal credit union with 875 members, $2.5M in total assets, and $420K in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 62/100 (Good), driven in part by a net worth ratio of 17.88% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #24284 and reports within peer group $2M–$10M, a cohort of 566 similarly-sized institutions.
Two more numbers round out the picture: a 5.32% delinquency rate (loans 60+ days past due against the total book) - the peer group average for $2M–$10M credit unions sits at 1.809%, so this institution is running looser than peers - and a 20.21% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 1.58% on net income of $40K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 0.46%. All of the above reflects the 2025Q4 quarterly NCUA 5300 Call Report. Who can join depends on the field of membership (currently: Multiple Common Bond); our disclaimer covers NCUSIF deposit-insurance coverage and how to use this data responsibly.
Nearby Credit Unions in Hawaii
Other federally-insured credit unions in Hawaii, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
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. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 17.88% 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 17.88% 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.
Read our methodology - how this data is sourced, computed, and verified.
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.