State credit union · Modesto, California · NCUA charter #61942
Organized Labor
Health score 73/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 73
- Health / 100
- $40.0M
- Total assets
- 3,097
- Members
- 9.8%
- Net-worth ratio
Organized Labor scores 73/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $40.0M; members 3,097; net-worth ratio 9.84%; health rank #3,416 of 4,374; healthier than 21st of scored peers.
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NCUA 5300 Call Report Masthead
#3,416 of 4,374 health · 2025Q4Organized Labor · health 73/100 · $40.0M · 2025Q4
Call Report peers
Organized Labor in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Organized Labor vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Organized Labor sits in 70-74 with 317 others.
73 21st percentile higher than 21% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Organized Labor vs $10M–$50M peers
- Largest lag: Loan-to-Share Ratio at 41.23% vs peer 59.80% (-18.57 pp).
Organized Labor in California
- Health composite ranks #196 of 243 among scored California credit unions.
- California assets place: #192 of 243.
- California membership ordinal: #181 of 243.
- One place up in California, TECHNOLOGY (#195) ties at 73/100; one place down, CHAFFEY (#197) ties at 73/100.
Organized Labor: 2025Q4 → 2026Q1
Organized Labor: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.5% from $40.0M (2025Q4) to $40.5M (2026Q1).
- Net-worth ratio shifted +0.13 pp (9.71% → 9.84%).
This credit union's 9.84% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 73/100 score is built
Organized Labor gives up 27 points in total. Member Growth costs the most, 15 of its 15; Return on Assets scores full marks.
- Net Worth Ratio 29.6 pts
- Delinquency Rate 18.8 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 9.6 pts
Organized Labor health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 9.84% | -5.02 pp |
| Delinquency Rate | 1.16% | +0.02 pp |
| Return on Assets | 0.69% | -0.01 pp |
| Member Growth | -8.29% | - |
| Loan-to-Share Ratio | 41.23% | -18.57 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Organized Labor quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $40.5M | - |
| 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
Branch Locations (2)
Organized Labor operates 2 offices in Modesto, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Organized Labor Credit Union (Main Office) | Modesto, CA |
| Modesto First Credit Union | Modesto, CA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in California
Other federally-insured credit unions in California, closest first by peer group and asset size.
Cross-state Call Report peers for Organized Labor
Using this data
- Organized Labor ranks #3,416 of 4,374 nationally on financial health and #196 of 243 in CA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Befit Financial is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Befit Financial
Frequently Asked Questions
Is Organized Labor financially healthy?
Organized Labor has a financial health score of 73/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,416 of 4,374 nationally on health and #196 of 243 in California. Its net worth ratio is 9.84% and its delinquency rate 1.16%.
How does Organized Labor compare to other credit unions?
Organized Labor scores 73/100, higher than 21% of the 4,374 scored credit unions. Its widest shortfall is loan-to-share ratio (41.23% vs 59.80%).
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?
Organized Labor is a state-chartered 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. Organized Labor's net worth ratio of 9.84% 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.