Local 50 Plumbers & Steamftrs Federal Credit Union

Credit UnionFCUNorthwood, OH·Est. 1969·NCUA #19723Compare ⇄▤ Account brief

Total assets

$11.3M

▲ +2.8% YoY

Shares & deposits

$9.6M

▲ +1.3% YoY

Loans

$6.0M

▼ -12.1% YoY

Members

1,709

▲ +2.3% YoY

ROA (annualized)

1.03%

peers 0.60%

ROE (annualized)

6.71%

peers 4.10%

Peer comparison 2,508 credit unions with <100M in assets

Metric	This credit union	Peer median	Δ
Asset growth (YoY)	+2.8%	+1.3%	+1.5 pts
Share growth (YoY)	+1.3%	+0.7%	+0.7 pts
Loan growth (YoY)	-12.1%	-2.4%	-9.8 pts
ROA	1.03%	0.60%	+0.4 pts
ROE	6.7%	4.1%	+2.6 pts

ROA ranks in the 70th percentile of its peer group · Q1 2026

Quarter	Assets	Shares	Loans	Net worth	Net income YTD	ROA	NIM	Delinquency	Members
Q1 2026	$11.3M	$9.6M	$6.0M	$1.7M	$29K	1.03%	3.90%	0.20%	1,709
Q4 2025	$11.4M	$9.7M	$6.2M	$1.7M	$183K	1.61%	4.17%	1.20%	1,818
Q3 2025	$11.3M	$9.6M	$6.5M	$1.7M	$132K	1.57%	4.15%	0.25%	1,736
Q2 2025	$11.0M	$9.4M	$6.6M	$1.6M	$84K	1.52%	4.20%	0.37%	1,733
Q1 2025	$11.0M	$9.5M	$6.8M	$1.6M	$37K	1.32%	4.17%	0.12%	1,671
Q4 2024	$10.5M	$9.0M	$7.2M	$1.5M	$203K	1.93%	4.60%	0.10%	2,052
Q3 2024	$10.5M	$9.0M	$7.6M	$1.5M	$155K	1.97%	4.59%	0.00%	2,268
Q2 2024	$11.0M	$9.5M	$8.0M	$1.4M	$101K	1.84%	4.33%	0.37%	2,248

Loans down·Loans -12.1% YoY — Shrinking book — origination and marketing are on the agenda

Earlier quarters (7)

Profitability

Ratio	Value	Peer median	Peer percentile
Return on assets Annualized net income ÷ assets	1.03%	0.60%	70th
Return on equity Annualized net income ÷ equity or net worth	6.7%	4.1%	69th
Net interest margin Interest income − interest expense, ÷ assets	3.90%	3.83%

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Ratio	Value	Peer median
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand	00.0%	00.0%
Loans-to-assets How much of the balance sheet is lent out	00.0%	00.0%
Securities-to-assets Investment portfolio as a share of assets	00.0%	00.0%
Cash-to-assets On-balance-sheet liquidity	00.0%	00.0%

Ratio	Value	Peer median
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans	00.0%	00.0%
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans	00.0%	00.0%
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300%	00.0%	00.0%

Ratio	Value	Trend (8q)	Peer median	Peer percentile
Loans per member Member borrowing depth	00.0%		00.0%
Deposits per member Member relationship depth	00.0%		00.0%