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
- MEM 76/100
- RANK 14.9%
- PHOTO 1.53%
- BOOK 2.05%
- CHARTER $22.0M
- NCUSIF 2,184
- CAMELS #3,161/4,374
- HEALTH Mountain West
- NW 24674
Call Report peers
Trades & Labor in the assets neighbourhood
Trades & Labor's $22.0M assets sit next to Mountain West ($22.0M) 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.
Trades & 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
76 26th percentile higher than 26% 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
Trades & Labor - Share Insurance Coverage
Charter #24674's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
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%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for MN only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Trades & Labor
Trades & Labor: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +4.2% from $22.0M (2025Q4) to $22.9M (2026Q1).
- Net-worth ratio shifted -0.23 pp (15.16% → 14.93%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 76.
- 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 |
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).
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
Two NCUA Call Report peer sets for Trades & Labor, both outside Minnesota so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($22.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (76/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Minnesota credit unions compare overall before assuming this one is typical. Minnesota 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 Trades & Labor financially healthy?
Yes/no aside, the number is 76/100 (Very Good) - Trades & Labor's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #3,161 of 4,374; by total assets it ranks #3,081 of 4,374 nationally (same basis as /rankings/largest); and #62 of 82 within Minnesota. Above 80 reads excellent, below 50 warrants closer monitoring; a 14.93% net worth ratio and 1.53% delinquency rate are the key drivers.
How does Trades & Labor compare to other credit unions?
76/100 is Trades & Labor's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like Trades & 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. Trades & Labor's net worth ratio of 14.93% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Trades & Labor offer compared to banks?
Credit unions like Trades & 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 Trades & 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.