Federal credit union · ALBERT LEA, Minnesota · NCUA charter #24674
Trades & Labor
Health score 76/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 76
- Health / 100
- $22.0M
- Total assets
- 2,184
- Members
- 14.9%
- Net-worth ratio
Trades & Labor scores 76/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $22.0M; members 2,184; net-worth ratio 14.93%; health rank #3,161 of 4,374; healthier than 26th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#3,161 of 4,374 health · 2025Q4Trades & Labor · health 76/100 · $22.0M · 2025Q4
Call Report peers
Trades & Labor in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Trades & Labor vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Trades & Labor sits in 75-79 with 502 others.
76 26th percentile higher than 26% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Trades & Labor: Call Report deltas vs peers
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +19.19 pp (78.99% vs 59.80%).
- Widest shortfall vs peers is Delinquency Rate: +0.38 pp (1.53% vs 1.15%).
Trades & Labor in Minnesota
- In Minnesota, health place is #70 of 82 on the same NCUA-ratio sort used nationally.
- Minnesota assets place: #62 of 82.
- Minnesota membership ordinal: #61 of 82.
- One place up in Minnesota, RIVERVIEW (#69) scores 77/100, 1 point higher; one place down, South Metro (#71) ties at 76/100.
Quarter path for Trades & Labor
Trades & Labor: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +4.2% from $22.0M (2025Q4) to $22.9M (2026Q1).
- Net-worth ratio shifted -0.23 pp (15.16% → 14.93%).
At 14.93%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 76/100 score is built
Trades & Labor gives up 24 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 16.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.93% | +0.07 pp |
| Delinquency Rate | 1.53% | +0.38 pp |
| Return on Assets | 2.05% | +1.35 pp |
| Member Growth | -5.33% | - |
| Loan-to-Share Ratio | 78.99% | +19.19 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Trades & Labor quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $22.9M | - |
| 2025Q4 | $22.0M | 2,184 |
| 2024Q4 | $20.5M | 2,307 |
| 2023Q4 | $20.1M | 2,303 |
Credit Union Details
- Charter Number
- 24674
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Minnesota
- City
- ALBERT LEA
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Trades & Labor runs one office.
| Office | City |
|---|---|
| TRADES & LABOR FCU (Main Office) | ALBERT LEA, MN |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Minnesota
A look at other Minnesota credit unions, ranked by how closely their peer group and asset size match this one.
Other-state peers near Trades & Labor
Similar total assets
Similar health score
Using this data
- Trades & Labor ranks #3,161 of 4,374 nationally on financial health and #70 of 82 in MN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Farm Credit Employees is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Farm Credit Employees
Frequently Asked Questions
Is Trades & Labor financially healthy?
Trades & Labor has a financial health score of 76/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,161 of 4,374 nationally on health and #70 of 82 in Minnesota. Its net worth ratio is 14.93% and its delinquency rate 1.53%.
How does Trades & Labor compare to other credit unions?
Trades & Labor scores 76/100, higher than 26% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (78.99% vs 59.80%). Its widest shortfall is delinquency rate (1.53% vs 1.15%).
How can I join Trades & Labor?
Trades & Labor 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 Trades & Labor directly for the exact boundaries and application steps.
Is my money safe at Trades & Labor?
Trades & Labor 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. Trades & Labor's net worth ratio of 14.93% 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.