Federal credit union · LEWISPORT, Kentucky · NCUA charter #21853
Labor Management
Health score 72/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 72
- Health / 100
- $27.8M
- Total assets
- 2,847
- Members
- 14.7%
- Net-worth ratio
Labor Management scores 72/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $27.8M; members 2,847; net-worth ratio 14.68%; health rank #3,457 of 4,374; healthier than 20th of scored peers.
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NCUA 5300 Call Report Masthead
#3,457 of 4,374 health · 2025Q4Labor Management · health 72/100 · $27.8M · 2025Q4
Call Report peers
Labor Management in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Labor Management vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Labor Management sits in 70-74 with 317 others.
72 20th percentile higher than 20% 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 Labor Management
- Loan-to-Share Ratio leads the peer set - 81.32% here, 59.80% peer average (+21.52 pp).
- Delinquency Rate trails the peer set - 2.18% here, 1.15% peer average (+1.03 pp).
Labor Management: in-state Call Report ranks
- In Kentucky, health place is #45 of 54 on the same NCUA-ratio sort used nationally.
- Kentucky assets place: #36 of 54.
- Kentucky membership ordinal: #31 of 54.
- One place up in Kentucky, ARH (#44) scores 73/100, 1 point higher; one place down, Rural Cooperatives (#46) scores 68/100, 4 points lower.
Labor Management: 2025Q4 → 2026Q1
Labor Management: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.8% from $27.8M (2025Q4) to $28.3M (2026Q1).
- Net-worth ratio shifted -0.05 pp (14.73% → 14.68%).
This credit union's 14.68% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 72/100 score is built
Labor Management gives up 28 points in total. Delinquency Rate costs the most, 13.6 of its 25; Net Worth Ratio and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 11.4 pts
- Return on Assets 4.7 pts
- Member Growth 10.5 pts
- Loan-to-Share Ratio 15.4 pts
Call Report ratios for Labor Management
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.68% | -0.18 pp |
| Delinquency Rate | 2.18% | +1.03 pp |
| Return on Assets | 0.00% | -0.70 pp |
| Member Growth | 1.21% | - |
| Loan-to-Share Ratio | 81.32% | +21.52 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Call Report history - Labor Management
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $28.3M | - |
| 2025Q4 | $27.8M | 2,847 |
| 2024Q4 | $30.9M | 2,813 |
| 2023Q4 | $33.6M | 2,754 |
Credit Union Details
- Charter Number
- 21853
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Kentucky
- City
- LEWISPORT
- Data Quarter
- 2025Q4
Branch Locations (3)
Labor Management operates 3 offices across 3 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| LABOR MANAGEMENT FCU (Main Office) | LEWISPORT, KY |
| Fidelity National Information | Charlotte, NC |
| Digital Connections Plus | Hardinsburg, KY |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Kentucky
Other federally-insured credit unions in Kentucky, closest first by peer group and asset size.
Cross-state Call Report peers for Labor Management
Similar total assets
Using this data
- Labor Management ranks #3,457 of 4,374 nationally on financial health and #45 of 54 in KY -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Your Hometown is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Your Hometown
Frequently Asked Questions
Is Labor Management financially healthy?
On its 2025Q4 NCUA 5300 filing, Labor Management scores 72/100 (Very Good), with a 14.68% net worth ratio and 2.18% of loans delinquent. It ranks #3,457 of 4,374 nationally on health and #45 of 54 in Kentucky.
How does Labor Management compare to other credit unions?
Labor Management scores 72/100, higher than 20% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (81.32% vs 59.80%). Its widest shortfall is delinquency rate (2.18% vs 1.15%).
How can I join Labor Management?
Labor Management operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Labor Management directly for the exact boundaries and application steps.
Is my money safe at Labor Management?
Labor Management 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. Labor Management's net worth ratio of 14.68% 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.