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
Call Report peers
United Trades in the assets neighbourhood
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
United Trades sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in Oregon, Central Willamette (#18) ties at 88/100; one place down, EMBOLD (#20) scores 87/100, 1 point lower.
How United Trades's 5300 filing moved
United Trades: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -3.2% from $56.7M (2025Q4) to $54.9M (2026Q1).
- Net-worth ratio shifted +0.48 pp (12.81% → 13.29%).
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
United Trades gives up 12 points in total. Member Growth costs the most, 12 of its 15; Delinquency Rate and Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
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
Similar total assets
Similar health score
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
Frequently Asked Questions
Is United Trades financially healthy?
United Trades has a financial health score of 88/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,441 of 4,374 nationally on health and #19 of 48 in Oregon. Its net worth ratio is 13.29% and its delinquency rate 0.50%.
How does United Trades compare to other credit unions?
United Trades scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is loan-to-share ratio (72.32% vs 62.60%). Its widest shortfall is net worth ratio (13.29% vs 13.62%).
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?
United Trades 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. United Trades's net worth ratio of 13.29% 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.