Building Trades Federal Credit Union Maple Grove, Minnesota
Building Trades Federal Credit Union is a federal credit union headquartered in Maple Grove, MN, established in 1959 (NCUA charter 24414), and it is regulated and insured by the NCUA. At Q2 2026 it reported 19,329 members and total assets of $249.9M (up 7.7% from Q2 2025), the 25th largest of 79 credit unions headquartered in Minnesota. Its net worth ratio was 10.92% at Q2 2026, in the well capitalized band.
Also written as Building Trades FCU · Trade name filed with the NCUA: Building Trades Credit Union
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 24414
- Headquarters
- Maple Grove, MN
- Established
- 1959
- Total assets, Q2 2026
- $249.9M
- Assets vs Q2 2025
- +7.7%
- Members, Q2 2026
- 19,329
- Net worth ratio, Q2 2026
- 10.92%
- Latest call report
- Q2 2026, NCUA 5300 · Building Trades Federal Credit Union call report
- Asset rank in state
- 25th of 79 in Minnesota
- Routing number
- 291074719
- Branches
- 3
It has 666 more members than on June 30, 2025 (+3.6%). Its net worth ratio was up 0.20 percentage points from 10.72% on June 30, 2025. Used vehicle loans are its largest loan category, $59.7M of $154.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.29% is below the 0.68% median of the 1,338 credit unions with $100M to $1B in assets for Q2 2026. Its 10.92% net worth ratio is below that band's 11.43% median.
Frequently asked about Building Trades Federal Credit Union
How big is Building Trades Federal Credit Union?
At Q2 2026 it reported total assets of $249.9M and 19,329 members.
Where is Building Trades Federal Credit Union headquartered?
It is headquartered in Maple Grove, MN, United States.
When was Building Trades Federal Credit Union founded?
It was established in 1959, per NCUA records.
Is Building Trades Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 24414): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Building Trades Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Building Trades Federal Credit Union well capitalized?
Its net worth ratio was 10.92% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Building Trades Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.29% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Building Trades Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 71.17% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Maple Grove, MN 55369
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1959
- NCUA Charter #
- 24414
- RSSD ID
- 350590
- Members
- 19,329
- Potential members
- 100,000
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 1,341 credit unions with $100M to $1B in assets, as of Q2 2026. It is in the top quartile on 1 of 7 ranked measures.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 9.81% to 13.58% | 10.92% | 11.43% | 42nd below |
| Return on assets Middle half of peers: 0.43% to 1.23% | 1.07% | 0.81% | 65th above |
| Return on equity Middle half of peers: 3.87% to 9.84% | 9.77% | 7.02% | 74th above |
| Net interest margin Middle half of peers: 3.30% to 4.10% | 3.57% | 3.70% | 42nd below |
| Efficiency ratio Middle half of peers: 68.90% to 83.49% | 70.87% | 76.55% | 69th above |
| Cost of funds Middle half of peers: 0.92% to 1.56% | 0.94% | 1.24% | 74th above |
| Delinquency ratio Middle half of peers: 0.39% to 1.12% | 0.29% | 0.68% | 83rd top |
| Yield on assets Middle half of peers: 4.53% to 5.37% | 4.51% | 4.92% | 24th position only |
| Loan-to-share ratio Middle half of peers: 62.05% to 86.41% | 71.17% | 75.66% | 42nd position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$249.9M total assets against $231.9M; $217.5M total shares and deposits against $204.3M; $154.8M total loans against $129.2M.
$27.3M net worth against $24.9M.
10.92% net worth ratio against 10.72%.
71.17% loan-to-share ratio against 63.25%.
0.29% delinquency ratio against 2.46%.
1.07% return on assets against 0.83%; 9.77% return on equity against 7.77%.
3.57% net interest margin against 3.47%.
19,329 members against 18,663.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 10.92% | 1.07% | 0.29% | 71.17% |
| March 31, 2026 | 10.86% | 1.11% | 0.46% | 68.35% |
| December 31, 2025 | 10.81% | 0.93% | 0.88% | 65.86% |
| September 30, 2025 | 10.85% | 0.88% | 0.22% | 62.67% |
| June 30, 2025 | 10.72% | 0.83% | 2.46% | 63.25% |
| March 31, 2025 | 10.60% | 0.74% | 2.75% | 58.30% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.