Federal credit union · TUALATIN, Oregon · NCUA charter #10442
United Trades
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $56.7M
- Total assets
- 6,132
- Members
- 13.3%
- Net-worth ratio
United Trades scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $56.7M; members 6,132; net-worth ratio 13.29%; health rank #1,441 of 4,374; healthier than 65th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,441 of 4,374 health · 2025Q4United Trades · health 88/100 · $56.7M · 2025Q4
- ROA 88/100
- ASSETS 13.3%
- MEM 0.50%
- RANK 0.52%
- PHOTO $56.7M
- BOOK 6,132
- CHARTER #1,441/4,374
- NCUSIF METCO
- CAMELS 10442
Call Report peers
United Trades in the assets neighbourhood
United Trades's $56.7M assets sit next to METCO ($56.7M) 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.
United Trades 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
88 Top 35% higher than 65% 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
United Trades - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #10442, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Peer-gap read for United Trades
- Strongest edge vs 584 $50M–$100M peers is Loan-to-Share Ratio: +9.72 pp (72.32% vs 62.60%).
- Largest lag: Net Worth Ratio at 13.29% vs peer 13.62% (-0.33 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
United Trades in Oregon
- Health composite ranks #19 of 48 among scored Oregon credit unions.
- By total assets, United Trades is #37 of 48 in Oregon.
- Membership ranks #30 of 48 among Oregon CUs with a reported count (6,132 members).
In-state ordinals use the live credit_unions table for OR only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How United Trades's 5300 filing moved
United Trades: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -3.2% from $56.7M (2025Q4) to $54.9M (2026Q1).
- Net-worth ratio shifted +0.48 pp (12.81% → 13.29%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
13.29% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 88/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 3.0 pts
- Loan-to-Share Ratio 15.0 pts
United Trades health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.29% | -0.33 pp |
| Delinquency Rate | 0.50% | -0.46 pp |
| Return on Assets | 0.52% | -0.14 pp |
| Member Growth | -3.36% | - |
| Loan-to-Share Ratio | 72.32% | +9.72 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Call Report history - United Trades
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $54.9M | - |
| 2025Q4 | $56.7M | 6,132 |
| 2024Q4 | $57.1M | 6,345 |
| 2023Q4 | $53.5M | 6,427 |
Credit Union Details
- Charter Number
- 10442
- Type
- Federal
- Field of Membership
- Other/Community
- Peer Group
- $50M–$100M
- State
- Oregon
- City
- TUALATIN
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, United Trades runs one office.
| Office | City |
|---|---|
| Tualatin Office (Main Office) | Tualatin, OR |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Oregon
A look at other Oregon credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
United Trades's nationwide photo peers by assets and by health score, excluding Oregon charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($56.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
Using this data
- United Trades ranks #1,441 of 4,374 nationally on financial health and #19 of 48 in OR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Cutting Edge is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Cutting Edge
- Rates and health both vary by institution, not just by state -- see how Oregon credit unions compare overall before assuming this one is typical. Oregon 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 United Trades financially healthy?
United Trades has a financial health score of 88/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,441 of 4,374; by total assets it ranks #2,304 of 4,374 nationally (same basis as /rankings/largest); and #37 of 48 within Oregon. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 13.29% and delinquency rate of 0.50%.
How does United Trades compare to other credit unions?
88/100 is United Trades's score on PlainCU's health composite, compared to a peer group average for $50M–$100M 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 United Trades?
United Trades 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 United Trades directly for the exact boundaries and application steps.
Is my money safe at United Trades?
Federal credit unions like United Trades 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. United Trades's net worth ratio of 13.29% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does United Trades offer compared to banks?
Credit unions like United Trades 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 United Trades 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.