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.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#3,416 of 4,374 health · 2025Q4Organized Labor · health 73/100 · $40.0M · 2025Q4
- HEALTH 73/100
- NW 9.8%
- DELQ 1.16%
- ROA 0.69%
- ASSETS $40.0M
- MEM 3,097
- RANK #3,416/4,374
- PHOTO LAMOURE
- BOOK 61942
Call Report peers
Organized Labor in the assets neighbourhood
Organized Labor's $40.0M assets sit next to LAMOURE ($39.9M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
73 21st percentile higher than 21% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
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 vs $10M–$50M peers
- Largest lag: Loan-to-Share Ratio at 41.23% vs peer 59.80% (-18.57 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for CA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Organized Labor: 2025Q4 → 2026Q1
Organized Labor: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +1.5% from $40.0M (2025Q4) to $40.5M (2026Q1).
- Net-worth ratio shifted +0.13 pp (9.71% → 9.84%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 73.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Cross-state asset and health neighbours for Organized Labor - kept outside California; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($40.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (73/100 here).
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
- Rates and health both vary by institution, not just by state -- see how California credit unions compare overall before assuming this one is typical. California state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
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. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,416 of 4,374; by total assets it ranks #2,605 of 4,374 nationally (same basis as /rankings/largest); and #192 of 243 within California. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 9.84% 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 9.84% 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.
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.