BlastPoint's Credit Union Scorecard
PLUMBERS 55
Charter #18013 · OH
<100M
2596 CUs in <100M nationally
121 in OH
PLUMBERS 55 has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Charge-Off Rate: Top 1.0% in tier
- + Members Per Employee (MPE): Top 1.0% in tier
- + Member Growth Rate: Top 7.9% in tier
Key Concerns
Areas that may need attention
- - ROA 0.17% below tier average
- - Delinquency rate 3.69% above tier average
- - Loan-to-Member Ratio (LMR): Bottom 4.6% in tier
- - Average Member Relationship (AMR): Bottom 4.6% in tier
- - Total Delinquency Rate (60+ days): Bottom 5.7% in tier
- - Fee Income Per Member: Bottom 6.5% in tier
- - Net Interest Margin (NIM): Bottom 7.7% in tier
- - AMR Growth Rate: Bottom 8.4% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,033
+4.2% YoY+1.5% QoQ
|
-1.6K |
2,625
-2.2% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
29% |
| Assets |
$2.8M
-2.9% YoY-4.6% QoQ
|
$-27.0M |
$29.9M
+1.1% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
Bottom 12.6% in tier |
| Loans |
$715,396
-9.7% YoY-4.9% QoQ
|
$-15.1M |
$15.8M
-2.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
Bottom 9.4% in tier |
| Deposits |
$2.3M
-4.1% YoY-5.8% QoQ
|
$-23.2M |
$25.5M
+0.4% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
Bottom 12.8% in tier |
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| ROA |
0.5%
+79.0% YoY+13.1% QoQ
|
-0.2% |
0.7%
-731.4% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
37% |
| NIM |
2.5%
+4.2% YoY+1.5% QoQ
|
-1.4% |
3.9%
+3.8% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
Bottom 7.7% in tier |
| Efficiency Ratio |
79.8%
-9.5% YoY-2.6% QoQ
|
-1.6% |
81.4%
-2.4% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
54% |
| Delinquency Rate |
5.2%
+822.5% YoY+100.8% QoQ
|
+3.7 |
1.5%
-2.0% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
Bottom 5.7% in tier |
| Loan To Share |
31.6%
-5.8% YoY+0.9% QoQ
|
-29.7% |
61.2%
-3.0% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
Bottom 11.3% in tier |
| AMR |
$2,886
-9.3% YoY-7.0% QoQ
|
$-12K |
$14,627
-2.7% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
Bottom 4.6% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
11.2%
-0.8% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (7 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2596
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2596
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2596
Top 0.1% in <100M tier
26
Net Charge-Off Rate
risk
Value:
-0.59%
Peer Median: -
#26 of 2596
Top 1.0% in <100M tier
26
Members Per Employee (MPE)
engagement
Value:
1033.000
Peer Median: -
#26 of 2596
Top 1.0% in <100M tier
207
Member Growth Rate
growth
Value:
4.24%
Peer Median: -
#207 of 2596
Top 7.9% in <100M tier
613
Net Worth Ratio
risk
Value:
19.44%
Peer Median: -
#613 of 2596
Top 23.6% in <100M tier
Top Weaknesses (13 metrics)
2478
Loan-to-Member Ratio (LMR)
engagement
Value:
$692.54
Peer Median: -
#2478 of 2596
Bottom 4.6% in <100M tier
2477
Average Member Relationship (AMR)
engagement
Value:
$2,886
Peer Median: -
#2477 of 2596
Bottom 4.6% in <100M tier
2449
Total Delinquency Rate (60+ days)
risk
Value:
5.20%
Peer Median: -
#2449 of 2596
Bottom 5.7% in <100M tier
2427
Fee Income Per Member
profitability
Value:
$0.58
Peer Median: -
#2427 of 2596
Bottom 6.5% in <100M tier
2396
Net Interest Margin (NIM)
profitability
Value:
2.51%
Peer Median: -
#2396 of 2596
Bottom 7.7% in <100M tier
2379
AMR Growth Rate
growth
Value:
-9.33%
Peer Median: -
#2379 of 2596
Bottom 8.4% in <100M tier
2352
Total Loans
balance_sheet
Value:
$715,396
Peer Median: -
#2352 of 2596
Bottom 9.4% in <100M tier
2299
Loan-to-Share Ratio
balance_sheet
Value:
31.57%
Peer Median: -
#2299 of 2596
Bottom 11.5% in <100M tier
2268
Total Assets
balance_sheet
Value:
$2.82M
Peer Median: -
#2268 of 2596
Bottom 12.7% in <100M tier
2264
Total Deposits
balance_sheet
Value:
$2.27M
Peer Median: -
#2264 of 2596
Bottom 12.8% in <100M tier