B
Trades & Labor Federal Credit Union
Rating Date
July 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 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
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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 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 6.71%
Non-Performing Loans to Loans 1.40%
Balance Sheet Trades & Labor Federal Credit Union
Albert Lea, MN
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Total Assets 21.75M
Total Deposits 18.45M
Capital and Reserves Trades & Labor Federal Credit Union
Albert Lea, MN
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Capital 3.16M
Leverage Ratio 14.53
Loan Loss Reserves to Loans 0.41%
Liquidity Trades & Labor Federal Credit Union
Albert Lea, MN
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Hot Money Ratio 0.00%
Liquidity Ratio 33.73%
Profitability Trades & Labor Federal Credit Union
Albert Lea, MN
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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%