Federal credit union · Northwood, Ohio · NCUA charter #19723
Local 50 Plumbers & Steamftrs
Health score 77/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 77
- Health / 100
- $11.4M
- Total assets
- 1,818
- Members
- 15.4%
- Net-worth ratio
Local 50 Plumbers & Steamftrs scores 77/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $11.4M; members 1,818; net-worth ratio 15.36%; health rank #3,064 of 4,374; healthier than 28th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#3,064 of 4,374 health · 2025Q4Local 50 Plumbers & Steamft… · health 77/100 · $11.4M · 2025Q4
Call Report peers
Local 50 Plumbers & Steamftrs in the assets neighbourhood
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Local 50 Plumbers & Steamftrs vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Local 50 Plumbers & Steamftrs sits in 75-79 with 502 others.
77 28th percentile higher than 28% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for Local 50 Plumbers & Steamftrs
- Largest favorable gap: Loan-to-Share Ratio at 64.30% vs peer 59.80% (+4.50 pp).
- Delinquency Rate trails the peer set - 1.20% here, 1.15% peer average (+0.05 pp).
Local 50 Plumbers & Steamftrs in Ohio
- In Ohio, health place is #144 of 196 on the same NCUA-ratio sort used nationally.
- Assets rank #164 of 196 inside Ohio ($11.4M reported).
- Membership ranks #150 of 196 among Ohio CUs with a reported count (1,818 members).
- One place up in Ohio, BSE (#143) scores 78/100, 1 point higher; one place down, PRESIDENTS (#145) ties at 77/100.
Local 50 Plumbers & Steamftrs: 2025Q4 → 2026Q1
Local 50 Plumbers & Steamftrs: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.3% from $11.4M (2025Q4) to $11.3M (2026Q1).
- Net-worth ratio shifted +0.31 pp (15.05% → 15.36%).
15.36% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 77/100 score is built
Local 50 Plumbers & Steamftrs gives up 23 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 18.5 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 13.5 pts
Local 50 Plumbers & Steamftrs vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 15.36% | +0.50 pp |
| Delinquency Rate | 1.20% | +0.05 pp |
| Return on Assets | 1.78% | +1.08 pp |
| Member Growth | -11.40% | - |
| Loan-to-Share Ratio | 64.30% | +4.50 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Local 50 Plumbers & Steamftrs quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $11.3M | - |
| 2025Q4 | $11.4M | 1,818 |
| 2024Q4 | $10.5M | 2,052 |
| 2023Q4 | $11.2M | 3,304 |
Credit Union Details
- Charter Number
- 19723
- Type
- Federal
- Field of Membership
- Association/Group
- Peer Group
- $10M–$50M
- State
- Ohio
- City
- Northwood
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Local 50 Plumbers & Steamftrs runs one office.
| Office | City |
|---|---|
| Local 50 Federal Credit Union (Main Office) | Northwood, OH |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Ohio
Other federally-insured credit unions in Ohio, closest first by peer group and asset size.
Other-state peers near Local 50 Plumbers & Steamftrs
Using this data
- Local 50 Plumbers & Steamftrs ranks #3,064 of 4,374 nationally on financial health and #144 of 196 in OH -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Sorg Bay West is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Sorg Bay West
Frequently Asked Questions
Is Local 50 Plumbers & Steamftrs financially healthy?
On its 2025Q4 NCUA 5300 filing, Local 50 Plumbers & Steamftrs scores 77/100 (Very Good), with a 15.36% net worth ratio and 1.20% of loans delinquent. It ranks #3,064 of 4,374 nationally on health and #144 of 196 in Ohio.
How does Local 50 Plumbers & Steamftrs compare to other credit unions?
Local 50 Plumbers & Steamftrs scores 77/100, higher than 28% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (64.30% vs 59.80%). Its widest shortfall is delinquency rate (1.20% vs 1.15%).
How can I join Local 50 Plumbers & Steamftrs?
Local 50 Plumbers & Steamftrs serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Local 50 Plumbers & Steamftrs directly for the current list of qualifying groups.
Is my money safe at Local 50 Plumbers & Steamftrs?
Local 50 Plumbers & Steamftrs is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Local 50 Plumbers & Steamftrs's net worth ratio of 15.36% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.