BlastPoint's Credit Union Scorecard
TRADES & LABOR
Charter #24674 · MN
TRADES & LABOR has 2 strengths but faces 1 concern
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.08% above tier average
- + Net Interest Margin 0.63% above tier average
Key Concerns
Areas that may need attention
- - Member decline: -6.1% YoY
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 37 that size in Minnesota.
- Shares and deposits +4.9% year over year ($19.4M in shares and deposits).
- Membership: 2,163 members, -6.1% vs a year ago.
- Delinquency rate 1.04%.
- Return on assets 1.57%.
- Efficiency ratio 65.61% vs a 88.77% peer average.
- Loan-to-share ratio 76.48% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,163
-6.1% YoY-1.1% QoQ
|
-422 |
2,585
-1.7% YoY
|
22,911
-12.6% YoY
|
34,678
+6.6% YoY
|
55% |
| Assets |
$23.0M
+5.7% YoY+0.4% QoQ
|
$-7.3M |
$30.3M
+1.5% YoY
|
$439.2M
-13.6% YoY
|
$593.1M
+10.2% YoY
|
51% |
| Loans |
$14.8M
-0.3% YoY+1.1% QoQ
|
$-651K |
$15.5M
-1.7% YoY
|
$304.0M
-16.2% YoY
|
$418.6M
+10.1% YoY
|
61% |
| Deposits |
$19.4M
+4.9% YoY-0.1% QoQ
|
$-6.4M |
$25.8M
+1.1% YoY
|
$366.9M
-12.4% YoY
|
$504.8M
+10.3% YoY
|
51% |
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| ROA |
1.6%
-15.1% YoY+2.0% QoQ
|
+0.1% |
1.5%
+241.5% YoY
|
1.8%
-6.5% YoY
|
1.2%
+121.4% YoY
|
82% |
| NIM |
4.5%
-0.6% YoY+0.7% QoQ
|
+0.6% |
3.9%
+0.9% YoY
|
3.8%
+5.6% YoY
|
3.8%
+2.3% YoY
|
76% |
| Efficiency Ratio |
65.6%
+4.2% YoY-0.4% QoQ
|
-23.2% |
88.8%
-6.9% YoY
|
101.1%
+34.5% YoY
|
83.0%
-5.3% YoY
|
18% |
| Delinquency Rate |
1.0%
-35.5% YoY+10.9% QoQ
|
-0.5 |
1.5%
+2.1% YoY
|
1.0%
+6.0% YoY
|
1.3%
+2.6% YoY
|
62% |
| Loan To Share |
76.5%
-5.0% YoY+1.1% QoQ
|
+17.6% |
58.9%
-3.1% YoY
|
75.4%
-1.3% YoY
|
66.4%
-1.4% YoY
|
76% |
| AMR |
$15,797
+9.2% YoY+1.5% QoQ
|
+$834 |
$14,963
-6.8% YoY
|
$23,990
+3.7% YoY
|
$20,028
-0.9% YoY
|
59% |
| CD Concentration |
21.9%
-15.8% YoY+3.7% QoQ
|
-2.7% | 24.6% | 21.9% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 6.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)