LOCAL 50 PLUMBERS & STEAMFTRS
Charter #19723 · Northwood, OH · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Delinquency 60+ days of 0.20% ranks in the 20th percentile among structurally similar credit unions — a relative strength.
- On Members, the asset-size band puts this credit union at the 33rd percentile but its structural peers at the 52nd — a 19-point gap showing why the peer definition matters.
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 | LOCAL 50 PLUMBERS & STEAMFTRS | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $11.34M | 6th pct | 25th pct |
| Members | 1,709 | 33th pct | 52th pct |
| Net worth ratio | 15.36% | 62th pct | 57th pct |
| Return on average assets | 1.03% | 69th pct | 62th pct |
| Net interest margin | 3.90% | 52th pct | 43th pct |
| Cost of funds | 0.66% | 42th pct | 39th pct |
| Loan-to-share | 62.09% | 58th pct | 49th pct |
| Delinquency 60+ days | 0.20% | 29th pct | 20th pct |
| Net charge-off ratio | 0.00% | 23th pct | 36th pct |
| Loan growth YoY | -8.03% | 13th pct | 13th pct |
| Share growth YoY | -0.06% | 26th pct | 26th pct |
| Efficiency ratio | 72.37% | 32th pct | 41th pct |
structural peer set hash: b50c0723ac40573678b937416f9c9809… (reproducible)
Closest structural peers
This is the free public view
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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.