State credit union · Modesto, California · NCUA charter #61942
Organized Labor
Health score 73/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $40.0M
- Total assets
- 3,097
- Members
- 9.7%
- Net-worth ratio
Organized Labor - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #61942. See our deposit-insurance coverage note.
Organized Labor - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)98
- Asset quality (delinquency)75
- Earnings (ROA)100
- Member growth0
- Liquidity (loan-to-share)65
Weighted composite: 73/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 9.71% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 9.71% | 30% |
| Delinquency Rate | 1.16% | 25% |
| Return on Assets | 0.69% | 15% |
| Member Growth | -8.29% | 15% |
| Loan-to-Share Ratio | 41.23% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $40.0M | 3,097 |
| 2024Q4 | $37.9M | 3,377 |
| 2023Q4 | $37.7M | 3,479 |
Credit Union Details
- Charter Number
- 61942
- Type
- State
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- California
- City
- Modesto
- Data Quarter
- 2025Q4
What This Data Says About Organized Labor
The five-factor composite scores Organized Labor at 73/100 (Very Good), reflecting a net worth ratio of 9.71% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. This state credit union, headquartered in Modesto, California, reports 3,097 members, $40.0M in total assets, and $14.8M in outstanding loans as of Q4 2025 under charter #61942 (peer group $10M–$50M, a cohort of 1163 similarly-sized institutions).
1.16% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $10M–$50M credit unions sits at 1.145%, so this institution is running looser than peers. Deposit deployment is captured by the 41.23% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.69% on net income of $276K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -8.29%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Other) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in California
Other federally-insured credit unions in California, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Organized Labor financially healthy?
Organized Labor has a financial health score of 73/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.71% and delinquency rate of 1.16%.
How does Organized Labor compare to other credit unions?
Organized Labor scores 73/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Organized Labor?
Membership eligibility for Organized Labor depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Organized Labor directly for current membership requirements and application steps.
Is my money safe at Organized Labor?
Federal credit unions like Organized Labor are 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. Organized Labor's net worth ratio of 9.71% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Organized Labor offer compared to banks?
Credit unions like Organized Labor are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Organized Labor directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.