Trades & Labor
Albert Lea, MN · Charter 24674 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$23.0MAssets
$14.8MLoans
$19.4MShares
$3.5MNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 87% of credit unions under $1B in assets (rank 216 of 1683).
- Widest gap: nonperforming loans / loans trails 68% of credit unions under $1B in assets (rank 1151 of 1682).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.57%
Rank 216 of 1,683
Net Interest Margin
4.52%
Rank 322 of 1,683
Efficiency Ratio
65.59%
Rank 313 of 1,682
Equity / Assets
15.27%
Rank 522 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.57% | 0.35% | 0.74% | 1.18% | Beats 87% | 216 / 1,683 | |
| Return on Equity | 10.26% | 2.67% | 5.89% | 8.74% | Beats 84% | 264 / 1,681 | |
| Net Interest Margin | 4.52% | 3.31% | 3.82% | 4.32% | Beats 81% | 322 / 1,683 | |
| Efficiency Ratio | 65.59% | 68.91% | 78.20% | 86.93% | Beats 81% | 313 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.04% | 0.26% | 0.65% | 1.29% | Beats 32% | 1,151 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.27% | 10.44% | 12.89% | 16.53% | Beats 69% | 522 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.27% | 10.44% | 12.89% | 16.53% | Beats 69% | 522 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 76.48% | 52.61% | 69.38% | 83.50% | 63rd pctl | 631 / 1,683 | |
| Loans / Assets | 64.44% | 44.71% | 59.18% | 70.72% | 62nd pctl | 646 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |