Side-by-side · Q2 2026 data
Global Innovations 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 | Global Innovations Bank | Trades & Labor Federal Credit Union |
|---|---|---|
| TellerScore | 70 | 85 (stronger) |
| Capital cushion | 35 | 100 (stronger) |
| Loan quality | 99 (stronger) | 65 |
| Earnings | 75 | 83 (stronger) |
| Funding & liquidity | 68 | 84 (stronger) |
| Problem-loan coverage | 100 (stronger) | 91 |
| Peer percentile | 43rd | 77th |
| Total assets | $120.1M | $23.0M |
| Deposits / shares | $109.4M | $19.4M |
| Capital ratio | 8.47% | 15.27% (stronger) |
| Problem loans | 0.03% (stronger) | 1.04% |
| Net charge-offs | -0.02% (stronger) | 0.32% |
| Return on assets | 1.37% | 1.57% (stronger) |
| Loans ÷ deposits | 72.1% (stronger) | 76.5% |
| Uninsured deposits | 32.8% | 0.0% (stronger) |
| 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 70). On the 7 directional measures above (where higher or lower is clearly better), Global Innovations Bank leads on 3 and Trades & Labor Federal Credit Union on 4. 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.