Side-by-side · Q2 2026 data
Farm Credit Employees Federal Credit Union vs Trades & Labor Federal Credit Union
Credit union
Farm Credit Employees Federal Credit Union
Saint Paul, Minnesota · Under $100 million in assets
Credit union
Trades & Labor Federal Credit Union
Albert Lea, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Farm Credit Employees Federal Credit Union | Trades & Labor Federal Credit Union |
|---|---|---|
| TellerScore | 58 | 85 (stronger) |
| Capital cushion | 60 | 100 (stronger) |
| Loan quality | 79 (stronger) | 65 |
| Earnings | 0 | 83 (stronger) |
| Funding & liquidity | 74 | 84 (stronger) |
| Problem-loan coverage | 91 | 91 |
| Peer percentile | 19th | 77th |
| Total assets | $17.3M | $23.0M |
| Deposits / shares | $15.3M | $19.4M |
| Capital ratio | 10.95% | 15.27% (stronger) |
| Problem loans | 0.62% (stronger) | 1.04% |
| Net charge-offs | 0.35% | 0.32% (stronger) |
| Return on assets | -1.44% | 1.57% (stronger) |
| Loans ÷ deposits | 86.4% | 76.5% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Trades & Labor Federal Credit Union has the higher TellerScore (85 vs 58). On the 6 directional measures above (where higher or lower is clearly better), Farm Credit Employees Federal Credit Union leads on 1 and Trades & Labor Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.