Side-by-side · Q2 2026 data
Building Trades Federal Credit Union vs Novation Credit Union
Credit union
Building Trades Federal Credit Union
Maple Grove, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | Building Trades Federal Credit Union | Novation Credit Union |
|---|---|---|
| TellerScore | 73 (stronger) | 71 |
| Capital cushion | 59 | 60 (stronger) |
| Loan quality | 90 (stronger) | 78 |
| Earnings | 63 | 63 |
| Funding & liquidity | 79 | 79 |
| Problem-loan coverage | 79 | 91 (stronger) |
| Peer percentile | 60th | 54th |
| Total assets | $249.9M | $244.0M |
| Deposits / shares | $217.5M | $216.1M |
| Capital ratio | 10.92% | 10.99% (stronger) |
| Problem loans | 0.29% (stronger) | 0.66% |
| Net charge-offs | 0.28% (stronger) | 0.32% |
| Return on assets | 1.08% (stronger) | 1.07% |
| Loans ÷ deposits | 71.2% (stronger) | 81.6% |
| Uninsured deposits | 23.8% | 3.4% (stronger) |
| Offices | 3 | 6 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.9% | 18.2% |
Building Trades Federal Credit Union has the higher TellerScore (73 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Building Trades Federal Credit Union leads on 5 and Novation Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.