Overview / Commentary
Organized Labor Credit Union is headquartered in Modesto and is the 202nd largest credit union in the state of California. It is also the 2,747th largest credit union in the nation. It was established in 1974 and as of March of 2025, it had grown to 6 employees and 3,367 members at 1 location. Organized Labor Credit Union has a B health rating.
Field of Membership Restrictions
Membership is open to union members and retirees of locals in Alameda, Placer, Amador, Nevada, Butte, Sacramento, San Joaquin, Calaveras, Contra Costa, Tuolumne, Stanislaus, Madera, Mariposa, Yolo, Yuba, or Merced Counties in California.
See current membership details
Health
B
Data as of Q1 2025
Learn why bank health mattersAdditional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Organized Labor Credit Union has a low asset base.
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 61942 |
| Year Chartered | 1974 |
| Employees | 6 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 0.99% |
| Return on Equity - YTD | 10.26% |
| Annual Interest Income | $386K |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2025vs Q1 2024 | $35.5MM$37.7MM |
| Loans | Q1 2025vs Q1 2024 | $14.1MM$15.9MM |
| Deposits | Q1 2025vs Q1 2024 | $31.9MM$33.7MM |
| Equity Capital | Q1 2025vs Q1 2024 | $3.5MM$3.2MM |
| Loan Loss Allowance | Q1 2025vs Q1 2024 | $111K$132K |
| Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $81K$110K |
| Real Estate Owned | Q1 2025vs Q1 2024 | $0$0 |