PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Local 50 Plumbers & Steamftrs

Northwood, OH · Charter 19723

NCUA · 1 branch

Q2 2026

$11.6MAssets
$5.6MLoans
$9.8MShares
$1.8MNet Worth

Executive Summary

  • Earnings: ROA of 1.23%, down 28 bps year over year; NIM at 3.93%.
  • Asset quality: problem loans at 1.54% of loans (+117 bps YoY).
  • Capital: net worth / assets of 15.38%, up 76 bps from a year ago.
  • Funding: loans stand at 56.80% of shares as of Q2 2026.

Return on Assets (YTD, annualized)

1.23%-28 bps YoY

Net Interest Margin (YTD, annualized)

3.93%-27 bps YoY

Efficiency Ratio (YTD, annualized)

68.41%+465 bps YoY

Net Worth / Assets

15.38%+76 bps YoY

Year to date, annualized, through each quarter.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.97%1.93%1.32%1.52%1.57%1.61%1.03%1.23%-28 bps
Return on Equity14.05%13.29%9.34%10.36%10.63%10.70%6.71%8.03%-234 bps
Net Interest Margin4.59%4.60%4.17%4.20%4.15%4.17%3.90%3.93%-27 bps
Efficiency Ratio58.04%58.66%68.73%63.75%62.42%61.67%72.37%68.41%+465 bps
Growth
Asset Growth (YoY)-5.03%-5.80%-1.43%0.44%7.15%7.93%2.78%5.22%+478 bps
Loan Growth (YoY)8.33%-2.65%-12.66%-17.51%-14.73%-13.46%-12.13%-15.61%+190 bps
Share Growth (YoY)-7.79%-8.70%-3.63%-1.49%6.25%7.27%1.32%4.26%+575 bps
Asset Quality
Delinquent Loans / Loans0.00%0.10%0.12%0.37%0.25%1.20%0.20%1.54%+117 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.99%14.49%14.17%14.62%14.73%15.05%15.36%15.38%+76 bps
Net Worth / Assets13.99%14.49%14.17%14.62%14.73%15.05%15.36%15.38%+76 bps
Liquidity & Funding
Loans / Shares84.07%79.70%71.60%70.18%67.48%64.30%62.09%56.80%-1,338 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps