TellerScore

United Trades Federal Credit Union (NCUA charter #10442) is based in Tualatin, Oregon. Its Q2 2026 call report shows $56.2M in total assets and $48.4M in member shares and deposits and 1 office.

United Trades Federal Credit Union has a TellerScore of 63 out of 100 (moderate) based on Q2 2026 data — higher than only 26% of its 2,479 credit unions with under $100 million in assets. Among 47 credit unions headquartered in Oregon, it ranks 32nd. Funding & liquidity contributes the most (89/100, 71% loans-to-deposits, 5% uninsured); earnings contributes the least (29/100, 0.22%).

TellerScore · Q2 2026

Scorecard

Capital cushion80/100
Net worth ratio: 13.02%
Loan quality47/100
Loans 60+ days delinquent ÷ total loans: 1.60%
Earnings29/100
Return on assets (annualized): 0.22%
Funding & liquidity89/100
Loans ÷ shares: 70.9% · 5.5% uninsured
Problem-loan coverage85/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 7.48%

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 fell 7 points (70 → 63), mostly because the loan quality component weakened by 16 points.

TellerScore
636974Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202473
Q3 202465
Q4 202470
Q1 202570
Q2 202570
Q3 202574
Q4 202572
Q1 202673
Q2 202663
Net worth ratio
7.00%10.14%13.29%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202412.38%
Q3 202412.56%
Q4 202412.54%
Q1 202512.72%
Q2 202513.13%
Q3 202513.29%
Q4 202512.81%
Q1 202613.29%
Q2 202613.02%
Delinquent loans (60+ days)
0.50%1.05%1.60%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.61%
Q3 20241.59%
Q4 20240.98%
Q1 20251.09%
Q2 20251.12%
Q3 20250.73%
Q4 20250.50%
Q1 20260.56%
Q2 20261.60%
Return on assets
0.19%0.40%0.61%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.55%
Q3 20240.57%
Q4 20240.52%
Q1 20250.61%
Q2 20250.56%
Q3 20250.58%
Q4 20250.19%
Q1 20260.24%
Q2 20260.22%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202663$56.2M13.02%1.60%0.22%70.9%
Q1 202673$54.9M13.29%0.56%0.24%74.9%
Q4 202572$56.7M12.81%0.50%0.19%72.3%
Q3 202574$55.7M13.29%0.73%0.58%76.5%
Q2 202570$55.7M13.13%1.12%0.56%76.5%
Q1 202570$56.9M12.72%1.09%0.61%71.8%
Q4 202470$57.1M12.54%0.98%0.52%73.2%
Q3 202465$56.6M12.56%1.59%0.57%73.3%
Q2 202473$56.7M12.38%0.61%0.55%72.7%

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).

Capital ratio13.02%
40th
Problem loans1.60%
27th
Net charge-offs0.19%
48th
Return on assets0.22%
28th
Loans to deposits70.9%
32nd
Uninsured deposits5.5%
19th
Loan-loss reserves0.00%
37th
Texas ratio7.5%
19th

Similar-size credit unions in Oregon

InstitutionScoreAssetsCapitalProblem loansCompare
Cutting Edge Federal Credit UnionCredit union Milwaukie, OR66 out of 100, Moderate$53.1M9.4%0.24%vs
Umatilla County Federal Credit UnionCredit union Pendleton, OR92 out of 100, Very strong$47.7M19.0%0.06%vs
Benton County Schools Credit UnionCredit union Corvallis, OR73 out of 100, Strong$69.4M10.6%0.06%vs
Teamsters Council #37 Credit UnionCredit union Portland, OR68 out of 100, Moderate$76.1M15.4%2.53%vs
Eweb Employees Federal Credit UnionCredit union Eugene, OR86 out of 100, Very strong$34.8M13.6%0.12%vs
Northwest Adventist Federal Credit UnionCredit union Portland, OR78 out of 100, Strong$33.9M15.2%0.71%vs

Deposit insurance

Is my money safe at United Trades Federal Credit Union?

Yes. United Trades Federal Credit Union is a federally insured credit union (NCUA charter #10442). 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 5.5% of shares and deposits ($2.7M) 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 13.02%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

United Trades Federal Credit Union lists 1 office in 1 city. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
United Trades Federal Credit Union
Type
Federal credit union
NCUA charter #
10442
RSSD ID
177180
Primary regulator
NCUA
Established
1955
Headquarters
Po Box 2293, Tualatin, OR 97062
Employees
11

Quick answers

United Trades Federal Credit Union: common questions

Is United Trades Federal Credit Union NCUA insured?

Yes. United Trades Federal Credit Union is a federally insured credit union (NCUA charter #10442). 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 Trades Federal Credit Union's TellerScore?

63 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 Trades Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Tualatin

InstitutionScoreAssetsCapitalProblem loansCompare
Longshoremen'S Local 4 Federal Credit UnionCredit union Vancouver, WA94 out of 100, Very strong$39.3M23.8%0.33%vs
Operating Engineers Local Union #3 Federal Credit UnionCredit union Livermore, CA92 out of 100, Very strong$1.7B15.5%0.60%vs
Consolidated Federal Credit UnionCredit union Portland, OR88 out of 100, Very strong$833.7M15.3%0.27%vs
First Community Credit UnionCredit union Coquille, OR86 out of 100, Very strong$1.9B13.3%0.04%vs
Castparts Employees Federal Credit UnionCredit union Portland, OR85 out of 100, Very strong$79.9M15.7%0.84%vs
Clackamas County BankBank Sandy, OR84 out of 100, Strong$266.4M12.8%0.00%vs