Credit Union Safety Analysis
Is Trades & Labor Federal Credit Union Safe? Albert Lea, Minnesota
Based on its Q2 2026 NCUA 5300 call report, Trades & Labor Federal Credit Union has a net worth ratio of 15.27%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 1.04%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Trades & Labor Federal Credit Union's net worth ratio is 15.27%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 15.27%
- Delinquency ratio (60+ days) (Q2 2026): 1.04%
- Return on assets (Q2 2026): 1.60%
- Loan-to-share ratio (Q2 2026): 76.48%
Trades & Labor Federal Credit Union (NCUA charter 24674, established 1958) reported $23.0M in assets and 2,163 members for Q2 2026 from Albert Lea, Minnesota. It ranks 59 of 79 credit unions in Minnesota by total assets. Total assets grew 5.7% from $21.7M on June 30, 2025. It has 140 fewer members than on June 30, 2025 (-6.1%). Its net worth ratio was up 0.74 percentage points from 14.53% on June 30, 2025. Used vehicle loans are its largest loan category, $6.8M of $14.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 1.04% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 14.93% for Q1 2026; 14.53% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.94% for Q1 2026; 1.61% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 1.54% for Q1 2026; 1.55% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 75.64% for Q1 2026; 80.51% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $6.8M
- 1- to 4-family residential and other consumer real estate loans: $3.0M
- Other unsecured loans and lines of credit: $1.8M
- New vehicle loans: $1.7M
- Other secured non-real estate loans and lines of credit: $1.1M
- Unsecured credit card loans: $393K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $23.0M | 15.27% | 1.04% | 1.60% | 76.48% |
| March 31, 2026 | $22.9M | 14.93% | 0.94% | 1.54% | 75.64% |
| December 31, 2025 | $22.0M | 15.16% | 1.53% | 1.42% | 78.99% |
| September 30, 2025 | $22.0M | 14.78% | 0.95% | 1.94% | 78.87% |
| June 30, 2025 | $21.7M | 14.53% | 1.61% | 1.55% | 80.51% |
| March 31, 2025 | $21.6M | 14.19% | 1.40% | 2.15% | 80.88% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Trades & Labor Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 24674) · FFIEC NIC profile (RSSD 865197)
Frequently asked questions
Is Trades & Labor Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Trades & Labor Federal Credit Union's net worth ratio is 15.27%, above the 7% NCUA threshold for well capitalized.
Is Trades & Labor Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Trades & Labor Federal Credit Union is a federally insured credit union (NCUA charter 24674): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Trades & Labor Federal Credit Union's key safety ratios?
For Q2 2026, Trades & Labor Federal Credit Union reports net worth 15.27%, delinquency 1.04%, ROA 1.60%, loan-to-share 76.48%.
What happens to my money if Trades & Labor Federal Credit Union fails?
For Q2 2026, Trades & Labor Federal Credit Union held $19.4M in shares and deposits for 2,163 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.