Credit Union Safety Analysis
Is Local 50 Plumbers & Steamfitters Federal Credit Union Safe? Northwood, Ohio
Based on its Q2 2026 NCUA 5300 call report, Local 50 Plumbers & Steamfitters Federal Credit Union has a net worth ratio of 15.38%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.54%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Local 50 Plumbers & Steamfitters Federal Credit Union's net worth ratio is 15.38%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 15.38%
- Delinquency ratio (60+ days) (Q2 2026): 1.54%
- Return on assets (Q2 2026): 1.46%
- Loan-to-share ratio (Q2 2026): 56.80%
Local 50 Plumbers & Steamfitters Federal Credit Union (NCUA charter 19723, established 1969) reported $11.6M in assets and 1,711 members for Q2 2026 from Northwood, Ohio. It ranks 163 of 191 credit unions in Ohio by total assets. Total assets grew 5.2% from $11.0M on June 30, 2025. It has 22 fewer members than on June 30, 2025 (-1.3%). Its net worth ratio was up 0.76 percentage points from 14.62% on June 30, 2025. Used vehicle loans are its largest loan category, $2.8M of $5.6M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.54% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 15.36% for Q1 2026; 14.62% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.20% for Q1 2026; 0.37% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 1.03% for Q1 2026; 1.71% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 62.09% for Q1 2026; 70.18% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $2.8M
- New vehicle loans: $1.6M
- Other unsecured loans and lines of credit: $639K
- Other secured non-real estate loans and lines of credit: $478K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $11.6M | 15.38% | 1.54% | 1.46% | 56.80% |
| March 31, 2026 | $11.3M | 15.36% | 0.20% | 1.03% | 62.09% |
| December 31, 2025 | $11.4M | 15.05% | 1.20% | 1.79% | 64.30% |
| September 30, 2025 | $11.3M | 14.73% | 0.25% | 1.73% | 67.48% |
| June 30, 2025 | $11.0M | 14.62% | 0.37% | 1.71% | 70.18% |
| March 31, 2025 | $11.0M | 14.16% | 0.12% | 1.32% | 71.60% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Local 50 Plumbers & Steamfitters Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 19723) · FFIEC NIC profile (RSSD 856887)
Frequently asked questions
Is Local 50 Plumbers & Steamfitters Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Local 50 Plumbers & Steamfitters Federal Credit Union's net worth ratio is 15.38%, above the 7% NCUA threshold for well capitalized.
Is Local 50 Plumbers & Steamfitters Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Local 50 Plumbers & Steamfitters Federal Credit Union is a federally insured credit union (NCUA charter 19723): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Local 50 Plumbers & Steamfitters Federal Credit Union's key safety ratios?
For Q2 2026, Local 50 Plumbers & Steamfitters Federal Credit Union reports net worth 15.38%, delinquency 1.54%, ROA 1.46%, loan-to-share 56.80%.
What happens to my money if Local 50 Plumbers & Steamfitters Federal Credit Union fails?
For Q2 2026, Local 50 Plumbers & Steamfitters Federal Credit Union held $9.8M in shares and deposits for 1,711 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.