This comparison uses public regulatory filings and TFS methodology. It evaluates financial condition—not checking rates, account fees, service quality, or which institution is universally “best.”
Credit union
North Adams, MA
Health score
54.1
Total assets
$2.3M
Credit union
Honolulu, HI
Health score
43.6
Total assets
$2.3M
Answer first
NORTH ADAMS M E leads on financial health and lending quality; PLUMBERS & FITTERS LOCAL 675 leads on capitalization and profitability. Those category leads describe current regulatory metrics only and do not establish a universal product or service winner.
Capital and asset-quality definitions are directly comparable for this pair.
Category leaders
Financial health
NORTH ADAMS M E
Higher TFS health score
Capitalization
PLUMBERS & FITTERS LOCAL 675
Higher comparable capital ratio
Profitability
PLUMBERS & FITTERS LOCAL 675
Higher return on assets
Lending quality
NORTH ADAMS M E
Lower problem-loan measure
Same-source detail
Winner markers appear only where the metric definitions are comparable and both values are available.
| Metric | NORTH ADAMS M E | PLUMBERS & FITTERS LOCAL 675 |
|---|---|---|
| TFS health score | 54.1/100Leads | 43.6/100 |
| Total assets | $2.3M | $2.3M |
| Total deposits / shares | $1.9M | $1.9M |
| Net worth ratio | 17.92% | 20.05%Leads |
| Return on assets | -0.99% | 1.32%Leads |
| Return on equity | -5.54% | 6.58% |
NORTH ADAMS M E
2 branches
PLUMBERS & FITTERS LOCAL 675
3 branches
No shared branch states were found in the current TFS branch dataset.
NORTH ADAMS M E
Unavailable
PLUMBERS & FITTERS LOCAL 675
Unavailable
Counts use an explicitly reviewed CFPB-company-to-regulatory-ID mapping and the same complete 12-month window. Parent-company attribution can include complaints involving affiliates. Lower complaint volume is context—not proof of better service or less consumer harm.
NORTH ADAMS M E
0 in TFS registry
PLUMBERS & FITTERS LOCAL 675
0 in TFS registry
Institution-level actions come from TFS's exact regulatory-ID registry and are shown as factual context only. They do not affect category winners or the TFS Financial Health Grade. A zero means no action is currently published in this curated registry—not proof that none exists.
Quarterly history
| Quarter | NORTH ADAMS M E score | NORTH ADAMS M E ROA | PLUMBERS & FITTERS LOCAL 675 score | PLUMBERS & FITTERS LOCAL 675 ROA |
|---|---|---|---|---|
| 2026-Q1 | 55.4/100 | -1.70% | 49.1/100 | 0.69% |
| 2026-Q2 | 54.1/100 | -0.99% | 43.6/100 | 1.32% |
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Coverage boundaries
Related comparisons
Financial data comes from FDIC BankFind Suite or NCUA Call Reports as labeled. TFS Health Grades are an editorial assessment, not an official government rating or financial advice. Every valid pair is viewable; pairs enter search automatically only when current data, comparability, and visitor interest meet the publication rules.
| 60+ day delinquency | 3.36%Leads | 6.55% |
| Net charge-offs | 0.00%Leads | 7.77% |
| Efficiency ratio | — | — |
| Loan-to-deposit ratio | 58.36% | 17.51% |
| Asset growth (YoY) | — | — |
| Deposit / share growth (YoY) | — | — |
| Branches | 2 | 3 |
| Published CFPB complaints per $1B deposits (12 months)verified mappings only | — | — |