LOCAL 50 PLUMBERS & STEAMFTRS
Charter #19723 | OH
<100M
(2596 CUs)
Micro
($0-$500M)
121 <100M in OH
LOCAL 50 PLUMBERS & STEAMFTRS has 8 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.90% above tier average
- + Net Interest Margin 0.27% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 1.4% in tier
- + Members Per Employee (MPE): Top 2.0% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - Member decline: -23.5% YoY
- - Member Growth Rate: Bottom 1.3% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,736
-23.5% YoY+0.2% QoQ
|
-889 |
2,625
-2.2% YoY
|
16,553
+5.8% YoY
|
33,089
+6.1% YoY
|
46th in tier |
| Assets |
$11.3M
+7.1% YoY+2.3% QoQ
|
$-18.6M |
$29.9M
+1.1% YoY
|
$245.2M
+8.8% YoY
|
$547.7M
+7.8% YoY
|
35th in tier |
| Loans |
$6.5M
-14.7% YoY-1.8% QoQ
|
$-9.3M |
$15.8M
-2.4% YoY
|
$170.6M
+8.7% YoY
|
$388.7M
+8.6% YoY
|
40th in tier |
| Deposits |
$9.6M
+6.2% YoY+2.1% QoQ
|
$-15.9M |
$25.5M
+0.4% YoY
|
$209.1M
+9.7% YoY
|
$464.6M
+9.3% YoY
|
36th in tier |
| ROA |
1.6%
-17.7% YoY+4.6% QoQ
|
+0.9% |
0.7%
-731.4% YoY
|
0.5%
-7.3% YoY
|
0.7%
+273.4% YoY
|
Top 18.1% in tier |
| NIM |
4.2%
-6.5% YoY+0.1% QoQ
|
+0.3% |
3.9%
+3.8% YoY
|
3.7%
+3.3% YoY
|
3.7%
+5.0% YoY
|
62nd in tier |
| Efficiency Ratio |
62.4%
+7.5% YoY-2.1% QoQ
|
-19.0% |
81.4%
-2.4% YoY
|
83.9%
+3.6% YoY
|
79.1%
-3.3% YoY
|
Bottom 17.4% in tier |
| Delinquency Rate |
0.2%
-32.0% QoQ
|
-1.3 |
1.5%
-2.0% YoY
|
1.5%
+29.9% YoY
|
1.2%
-0.9% YoY
|
30th in tier |
| Loan To Share |
67.5%
-19.7% YoY-3.9% QoQ
|
+6.2% |
61.2%
-3.0% YoY
|
63.8%
-2.4% YoY
|
68.0%
-1.7% YoY
|
59th in tier |
| AMR |
$9,257
+26.3% YoY+0.3% QoQ
|
$-5K |
$14,627
-2.7% YoY
|
$17,099
+5.9% YoY
|
$19,418
+1.3% YoY
|
25th in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
19.2%
+8.0% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
11.2%
-0.8% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
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 (10 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
37
AMR Growth Rate
growth
Value:
26.29%
Peer Avg: 4.67%
#37 of 2596
Top 1.4% in <100M tier
53
Members Per Employee (MPE)
engagement
Value:
868.000
Peer Avg: 365.701
#53 of 2596
Top 2.0% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: 0.57%
#246 of 2596
Top 9.4% in <100M tier
413
Asset Growth Rate
growth
Value:
7.15%
Peer Avg: 1.82%
#413 of 2596
Top 15.9% in <100M tier
452
Efficiency Ratio
profitability
Value:
62.42%
Peer Avg: 81.39%
#452 of 2596
Top 17.4% in <100M tier
471
Return on Assets (ROA)
profitability
Value:
1.58%
Peer Avg: 0.68%
#471 of 2596
Top 18.1% in <100M tier
489
Deposit Growth Rate
growth
Value:
6.25%
Peer Avg: 16.80%
#489 of 2596
Top 18.8% in <100M tier
Top Weaknesses (3 metrics)
2562
Member Growth Rate
growth
Value:
-23.46%
Peer Avg: 14.92%
#2562 of 2596
Bottom 1.3% in <100M tier
2291
Loan Growth Rate
growth
Value:
-14.73%
Peer Avg: 59.01%
#2291 of 2596
Bottom 11.8% in <100M tier
2241
Fee Income Per Member
profitability
Value:
$4.41
Peer Avg: $182.96
#2241 of 2596
Bottom 13.7% in <100M tier