TellerScore

Headquartered in Maple Grove, Minnesota, Building Trades Federal Credit Union is a federal credit union with $249.9M in total assets and $217.5M in member shares and deposits as of Q2 2026. It operates 3 offices. Its charter dates back to 1959.

Building Trades Federal Credit Union has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than 60% of its 1,341 credit unions with $100 million – $1 billion. Among 80 credit unions headquartered in Minnesota, it ranks 36th. Loan quality contributes the most (90/100, 0.29%); capital cushion contributes the least (59/100, 10.92%).

TellerScore · Q2 2026

Scorecard

Capital cushion59/100
Net worth ratio: 10.92%
Loan quality90/100
Loans 60+ days delinquent ÷ total loans: 0.29%
Earnings63/100
Return on assets (annualized): 1.08%
Funding & liquidity79/100
Loans ÷ shares: 71.2% · 23.8% uninsured
Problem-loan coverage79/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 10.59%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score rose 20 points (53 → 73), mostly because the loan quality component improved by 72 points.

TellerScore
476073Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202447
Q3 202448
Q4 202448
Q1 202550
Q2 202553
Q3 202573
Q4 202566
Q1 202672
Q2 202673
Net worth ratio
7.00%8.96%10.92%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202410.51%
Q3 202410.37%
Q4 202410.45%
Q1 202510.60%
Q2 202510.72%
Q3 202510.85%
Q4 202510.81%
Q1 202610.86%
Q2 202610.92%
Delinquent loans (60+ days)
0.22%1.51%2.80%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20242.80%
Q3 20242.71%
Q4 20242.73%
Q1 20252.75%
Q2 20252.46%
Q3 20250.22%
Q4 20250.88%
Q1 20260.46%
Q2 20260.29%
Return on assets
0.43%0.77%1.11%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.43%
Q3 20240.48%
Q4 20240.55%
Q1 20250.74%
Q2 20250.78%
Q3 20250.81%
Q4 20250.83%
Q1 20261.11%
Q2 20261.08%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$249.9M10.92%0.29%1.08%71.2%
Q1 202672$244.9M10.86%0.46%1.11%68.3%
Q4 202566$239.8M10.81%0.88%0.83%65.9%
Q3 202573$233.9M10.85%0.22%0.81%62.7%
Q2 202553$231.9M10.72%2.46%0.78%63.3%
Q1 202550$229.9M10.60%2.75%0.74%58.3%
Q4 202448$229.1M10.45%2.73%0.55%56.7%
Q3 202448$226.4M10.37%2.71%0.48%56.1%
Q2 202447$220.2M10.51%2.80%0.43%55.2%

1,341 peers · $100 million – $1 billion

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio10.92%
43rd
Problem loans0.29%
83rd
Net charge-offs0.28%
60th
Return on assets1.08%
71st
Loans to deposits71.2%
59th
Uninsured deposits23.8%
1st
Loan-loss reserves0.00%
50th
Texas ratio10.6%
12th

Similar-size credit unions in Minnesota

InstitutionScoreAssetsCapitalProblem loansCompare
St. Paul Federal Credit UnionCredit union Saint Paul, MN76 out of 100, Strong$252.1M12.9%0.20%vs
Novation Credit UnionCredit union Oakdale, MN71 out of 100, Strong$244.0M11.0%0.66%vs
Expedition Credit UnionCredit union Mendota Heights, MN66 out of 100, Moderate$223.5M9.9%0.34%vs
North Shore Federal Credit UnionCredit union Silver Bay, MN74 out of 100, Strong$284.8M12.8%0.33%vs
Accentra Credit UnionCredit union Austin, MN61 out of 100, Moderate$208.2M10.7%1.57%vs
Red Wing Credit UnionCredit union Red Wing, MN83 out of 100, Strong$208.0M12.5%0.30%vs

Deposit insurance

Is my money safe at Building Trades Federal Credit Union?

Yes. Building Trades Federal Credit Union is a federally insured credit union (NCUA charter #24414). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 23.8% of shares and deposits ($51.8M) are above the $250,000 NCUA insurance limit, above the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 10.92%, above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

3 locations

Branches

Building Trades Federal Credit Union lists 3 offices in 3 cities. Most locations:

All branch addresses and map

HMDA 2025

Mortgage lending

In 2025, Building Trades Federal Credit Union reported 82 home-loan applications under HMDA (LEI 549300CMT3RKMW1QLO34): 69 originated ($4,225,000 total), 6 denied, and 6 withdrawn or closed by the applicant. Its denial rate on decided applications was 7.9%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Identity & history

Profile

Legal name
Building Trades Federal Credit Union
Type
Federal credit union
NCUA charter #
24414
RSSD ID
350590
Primary regulator
NCUA
Established
1959
Headquarters
12080 73rd Ave N, Maple Grove, MN 55369
Employees
32

Quick answers

Building Trades Federal Credit Union: common questions

Is Building Trades Federal Credit Union NCUA insured?

Yes. Building Trades Federal Credit Union is a federally insured credit union (NCUA charter #24414). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Building Trades Federal Credit Union's TellerScore?

73 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Building Trades Federal Credit Union have?

3 offices as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Maple Grove

InstitutionScoreAssetsCapitalProblem loansCompare
Ziegler Federal Credit UnionCredit union Bloomington, MN87 out of 100, Very strong$4.3M26.9%1.09%vs
Think Mutual BankBank Rochester, MN86 out of 100, Very strong$2.2B16.3%0.25%vs
Liberty Bank MinnesotaBank Saint Cloud, MN86 out of 100, Very strong$290.2M12.9%0.00%vs
Carpenters Federal Credit UnionCredit union Saint Paul, MN86 out of 100, Very strong$44.3M16.0%1.01%vs
PrinsBankBank Prinsburg, MN85 out of 100, Very strong$308.3M12.0%0.29%vs
Toro Employees Federal Credit UnionCredit union Bloomington, MN84 out of 100, Strong$41.5M14.5%0.56%vs