Side-by-side · Q2 2026 data
Farmers State Bank vs Trades & Labor Federal Credit Union
Credit union
Trades & Labor Federal Credit Union
Albert Lea, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Farmers State Bank | Trades & Labor Federal Credit Union |
|---|---|---|
| TellerScore | 74 | 85 (stronger) |
| Capital cushion | 77 | 100 (stronger) |
| Loan quality | 74 (stronger) | 65 |
| Earnings | 61 | 83 (stronger) |
| Funding & liquidity | 75 | 84 (stronger) |
| Problem-loan coverage | 90 | 91 (stronger) |
| Peer percentile | 57th | 77th |
| Total assets | $221.4M | $23.0M |
| Deposits / shares | $189.7M | $19.4M |
| Capital ratio | 12.73% | 15.27% (stronger) |
| Problem loans | 0.77% (stronger) | 1.04% |
| Net charge-offs | 0.01% (stronger) | 0.32% |
| Return on assets | 1.03% | 1.57% (stronger) |
| Loans ÷ deposits | 84.9% | 76.5% (stronger) |
| Uninsured deposits | 15.4% | 0.0% (stronger) |
| Offices | 8 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Trades & Labor Federal Credit Union has the higher TellerScore (85 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank leads on 2 and Trades & Labor Federal Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.