United Labor Credit Union is a federally insured state-chartered credit union headquartered in Raytown, Missouri, in business for about 39 years. At the end of Q2 2026 it reported $23.0M in total assets and $21.2M in member shares and deposits, with 1 office.
Based on its Q2 2026 filing, United Labor Credit Union scores 55/100, which we describe as moderate. That is higher than only 15% of 2,479 credit unions with under $100 million in assets. Among 87 credit unions headquartered in Missouri, it ranks 72nd. Its strongest component is funding & liquidity (100/100; 54% loans-to-deposits, 15% uninsured), and its lowest is capital cushion (23/100; 7.35%).
TellerScore · Q2 2026
Scorecard
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 3 points (52 → 55), mostly because the problem-loan coverage component improved by 11 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 70 |
| Q3 2024 | 64 |
| Q4 2024 | 56 |
| Q1 2025 | 45 |
| Q2 2025 | 52 |
| Q3 2025 | 59 |
| Q4 2025 | 60 |
| Q1 2026 | 49 |
| Q2 2026 | 55 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 7.60% |
| Q3 2024 | 7.58% |
| Q4 2024 | 7.83% |
| Q1 2025 | 7.40% |
| Q2 2025 | 7.49% |
| Q3 2025 | 7.47% |
| Q4 2025 | 7.51% |
| Q1 2026 | 7.16% |
| Q2 2026 | 7.35% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.00% |
| Q3 2024 | 0.49% |
| Q4 2024 | 1.20% |
| Q1 2025 | 1.77% |
| Q2 2025 | 1.28% |
| Q3 2025 | 0.79% |
| Q4 2025 | 0.69% |
| Q1 2026 | 1.26% |
| Q2 2026 | 1.13% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.21% |
| Q3 2024 | 0.97% |
| Q4 2024 | 0.89% |
| Q1 2025 | 0.27% |
| Q2 2025 | 0.50% |
| Q3 2025 | 0.73% |
| Q4 2025 | 0.69% |
| Q1 2026 | 0.07% |
| Q2 2026 | 0.66% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 55 | $23.0M | 7.35% | 1.13% | 0.66% | 54.0% |
| Q1 2026 | 49 | $22.6M | 7.16% | 1.26% | 0.07% | 55.5% |
| Q4 2025 | 60 | $21.5M | 7.51% | 0.69% | 0.69% | 59.4% |
| Q3 2025 | 59 | $21.2M | 7.47% | 0.79% | 0.73% | 60.3% |
| Q2 2025 | 52 | $20.3M | 7.49% | 1.28% | 0.50% | 62.9% |
| Q1 2025 | 45 | $20.0M | 7.40% | 1.77% | 0.27% | 62.7% |
| Q4 2024 | 56 | $18.7M | 7.83% | 1.20% | 0.89% | 68.2% |
| Q3 2024 | 64 | $19.0M | 7.58% | 0.49% | 0.97% | 67.9% |
| Q2 2024 | 70 | $18.6M | 7.60% | 0.00% | 1.21% | 70.0% |
2,479 peers · Under $100 million in assets
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).
Similar-size credit unions in Missouri
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Leadco Community Credit UnionCredit union Farmington, MO | 73 out of 100, Strong | $23.8M | 11.6% | 0.45% | vs |
| Highway Crossroads Credit UnionCredit union Sikeston, MO | 47 out of 100, Below average | $24.4M | 14.6% | 4.65% | vs |
| Legacy Credit UnionCredit union Joplin, MO | 80 out of 100, Strong | $25.4M | 17.5% | 1.60% | vs |
| St. Louis Newspaper Carriers Credit UnionCredit union Fenton, MO | 53 out of 100, Below average | $20.1M | 6.5% | 0.01% | vs |
| St. Louis Policemen`s Credit UnionCredit union Saint Louis, MO | 69 out of 100, Moderate | $20.1M | 18.7% | 2.17% | vs |
| County Credit UnionCredit union Clayton, MO | 64 out of 100, Moderate | $25.9M | 11.6% | 0.99% | vs |
Deposit insurance
Is my money safe at United Labor Credit Union?
Yes. United Labor Credit Union is a federally insured credit union (NCUA charter #67009). 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 15.5% of shares and deposits ($3.3M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 7.35%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
United Labor Credit Union lists 1 office in 1 city. Most locations:
- Raytown, MO (1)
Identity & history
Profile
- Legal name
- United Labor Credit Union
- Type
- Federally insured state-chartered credit union
- NCUA charter #
- 67009
- RSSD ID
- 351690
- Primary regulator
- State + NCUA
- Established
- 1987
- Headquarters
- 10000 E 66th TER, Raytown, MO 64133
- Employees
- 6
Quick answers
United Labor Credit Union: common questions
Is United Labor Credit Union NCUA insured?
Yes. United Labor Credit Union is a federally insured credit union (NCUA charter #67009). 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 United Labor Credit Union's TellerScore?
55 out of 100 (Moderate), 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 United Labor Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Raytown
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Comanche County Federal Credit UnionCredit union Lawton, OK | 96 out of 100, Very strong | $36.4M | 18.8% | 0.00% | vs |
| Farmers Bank & TrustBank Great Bend, KS | 96 out of 100, Very strong | $1.1B | 24.0% | 0.19% | vs |
| The Bank of Grain ValleyBank Grain Valley, MO | 95 out of 100, Very strong | $110.6M | 24.0% | 0.00% | vs |
| K.U.M.C. Credit UnionCredit union Shawnee, KS | 95 out of 100, Very strong | $31.4M | 13.8% | 0.04% | vs |
| National Advisors Trust CompanyBank Leawood, KS | 94 out of 100, Very strong | $21.6M | 83.7% | 0.00% | vs |
| Reliance Credit UnionCredit union Kansas City, KS | 93 out of 100, Very strong | $25.1M | 16.4% | 0.30% | vs |