B
Trades & Labor Federal Credit Union
Rating Date
December 2025
Net Capital
Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Trades & Labor Federal Credit Union
Albert Lea, MN
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Rating B
Asset Quality Index 7.50
Capitalization Index 10.00
Liquidity Index 4.70
Profitability Index 9.50
Stability Index 6.30
Company Info Trades & Labor Federal Credit Union
Albert Lea, MN
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NCUA Charter Number 4823
Phone Number (507) 377-1863
Website www.tradesandlabor.com
Asset Quality Trades & Labor Federal Credit Union
Albert Lea, MN
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1-Year Asset Growth 7.82%
5-Year Asset Growth 8.87%
5-Year Charge-Offs to Average Loans 0.37%
Charge-Offs to Average Loans 0.56%
Non-Performing Assets to Assets 0.64%
Non-Performing Loans to Capital 4.25%
Non-Performing Loans to Loans 0.95%
Balance Sheet Trades & Labor Federal Credit Union
Albert Lea, MN
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Total Assets 22.00M
Total Deposits 18.59M
Capital and Reserves Trades & Labor Federal Credit Union
Albert Lea, MN
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Capital 3.25M
Leverage Ratio 14.78
Loan Loss Reserves to Loans 0.31%
Liquidity Trades & Labor Federal Credit Union
Albert Lea, MN
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Hot Money Ratio 11.71%
Liquidity Ratio 37.26%
Profitability Trades & Labor Federal Credit Union
Albert Lea, MN
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5-Year Return on Average Assets 1.59%
Net Income 307.00K
Net Interest Spread 5.57%
Operating Profit to Average Assets 1.90%
Overhead Efficiency Ratio 62.50%
Return on Assets 1.90%
Return on Equity 13.17%