TRADES & LABOR
Charter #24674 · ALBERT LEA, MN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.57% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 65.87% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- On Net interest margin, the asset-size band puts this credit union at the 81st percentile but its structural peers at the 57th — a 24-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | TRADES & LABOR | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $22.90M | 44th pct | 30th pct |
| Members | 2,186 | 54th pct | 33th pct |
| Net worth ratio | 14.93% | 59th pct | 57th pct |
| Return on average assets | 1.57% | 87th pct | 87th pct |
| Net interest margin | 4.59% | 81th pct | 57th pct |
| Cost of funds | 1.00% | 58th pct | 59th pct |
| Loan-to-share | 75.64% | 78th pct | 57th pct |
| Delinquency 60+ days | 0.94% | 66th pct | 56th pct |
| Net charge-off ratio | 0.17% | 54th pct | 39th pct |
| Loan growth YoY | -0.07% | 70th pct | 67th pct |
| Share growth YoY | 4.20% | 68th pct | 56th pct |
| Efficiency ratio | 65.87% | 19th pct | 25th pct |
structural peer set hash: e225aa9fc415659b5f0f032cc1dca19f… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.