Trades & Labor Federal Credit Union

Albert Lea, MN

Rating Date

September 2025

Net Capital
Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
Deposits

Net
Income

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Weiss Ratings	Trades & Labor Federal Credit Union Albert Lea, MN	Click to Compare	Click to Compare	Click to Compare
Rating	B
Asset Quality Index	6.40
Capitalization Index	10.00
Liquidity Index	4.50
Profitability Index	9.50
Stability Index	6.30

Company Info	Trades & Labor Federal Credit Union Albert Lea, MN	Click to Compare	Click to Compare	Click to Compare
NCUA Charter Number	4823
Phone Number	(507) 377-1863
Website	www.tradesandlabor.com

Asset Quality	Trades & Labor Federal Credit Union Albert Lea, MN	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	4.06%
5-Year Asset Growth	8.87%
5-Year Charge-Offs to Average Loans	0.37%
Charge-Offs to Average Loans	0.36%
Non-Performing Assets to Assets	1.10%
Non-Performing Loans to Capital	7.42%
Non-Performing Loans to Loans	1.61%

Balance Sheet	Trades & Labor Federal Credit Union Albert Lea, MN	Click to Compare	Click to Compare	Click to Compare
Total Assets	21.75M
Total Deposits	18.45M

Capital and Reserves	Trades & Labor Federal Credit Union Albert Lea, MN	Click to Compare	Click to Compare	Click to Compare
Capital	3.16M
Leverage Ratio	14.53
Loan Loss Reserves to Loans	0.41%

Liquidity	Trades & Labor Federal Credit Union Albert Lea, MN	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	10.43%
Liquidity Ratio	34.78%

Profitability	Trades & Labor Federal Credit Union Albert Lea, MN	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	1.59%
Net Income	200.00K
Net Interest Spread	5.45%
Operating Profit to Average Assets	1.87%
Overhead Efficiency Ratio	63.02%
Return on Assets	1.87%
Return on Equity	13.08%