Local 50 Plumbers & Steamftrs
Northwood, OH · Charter 19723 · Peer group: credit unions under $1B in assets in the Toledo, OH area (n=16)
NCUA · 1 branch
Q2 2026
$11.6MAssets
$5.6MLoans
$9.8MShares
$1.8MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 88% of credit unions under $1B in assets in the Toledo, OH area (rank 2 of 16).
- Widest gap: nonperforming loans / loans trails 69% of credit unions under $1B in assets in the Toledo, OH area (rank 12 of 16).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.24%
Rank 5 of 16
Net Interest Margin
3.93%
Rank 5 of 16
Efficiency Ratio
68.53%
Rank 3 of 16
Equity / Assets
15.38%
Rank 2 of 16
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.24% | 0.42% | 0.79% | 1.25% | Beats 69% | 5 / 16 | |
| Return on Equity | 8.07% | 4.46% | 6.21% | 8.07% | Beats 75% | 4 / 16 | |
| Net Interest Margin | 3.93% | 3.36% | 3.61% | 4.01% | Beats 69% | 5 / 16 | |
| Efficiency Ratio | 68.53% | 73.52% | 82.33% | 89.54% | Beats 87% | 3 / 16 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.53% | 0.27% | 0.89% | 1.78% | Beats 31% | 12 / 16 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.38% | 10.18% | 11.33% | 14.76% | Beats 88% | 2 / 16 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.38% | 10.18% | 11.33% | 14.76% | Beats 88% | 2 / 16 | |
| Liquidity & Funding |
| Loans / Deposits | 56.81% | 46.01% | 53.43% | 81.29% | 56th pctl | 7 / 16 | |
| Loans / Assets | 47.99% | 40.62% | 46.48% | 59.08% | 56th pctl | 7 / 16 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |