Trades & Labor Federal Credit Union

Albert Lea, MN

Rating Date

July 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	6.20
Capitalization Index	10.00
Liquidity Index	4.50
Profitability Index	9.50
Stability Index	8.70

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	-0.37%
5-Year Asset Growth	8.87%
5-Year Charge-Offs to Average Loans	0.37%
Charge-Offs to Average Loans	0.53%
Non-Performing Assets to Assets	0.96%
Non-Performing Loans to Capital	6.71%
Non-Performing Loans to Loans	1.40%

Balance Sheet	Trades & Labor Federal Credit Union Albert Lea, MN	Click to Compare	Click to Compare	Click to Compare
Total Assets	21.57M
Total Deposits	18.38M

Capital and Reserves	Trades & Labor Federal Credit Union Albert Lea, MN	Click to Compare	Click to Compare	Click to Compare
Capital	3.06M
Leverage Ratio	14.19
Loan Loss Reserves to Loans	0.25%

Liquidity	Trades & Labor Federal Credit Union Albert Lea, MN	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	0.00%
Liquidity Ratio	33.73%

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	116.00K
Net Interest Spread	4.49%
Operating Profit to Average Assets	2.19%
Overhead Efficiency Ratio	63.02%
Return on Assets	2.21%
Return on Equity	15.45%