Side-by-side · Q2 2026 data
Produce 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 | Produce State Bank | Trades & Labor Federal Credit Union |
|---|---|---|
| TellerScore | 69 | 85 (stronger) |
| Capital cushion | 53 | 100 (stronger) |
| Loan quality | 58 | 65 (stronger) |
| Earnings | 73 | 83 (stronger) |
| Funding & liquidity | 98 (stronger) | 84 |
| Problem-loan coverage | 88 | 91 (stronger) |
| Peer percentile | 40th | 77th |
| Total assets | $107.2M | $23.0M |
| Deposits / shares | $94.6M | $19.4M |
| Capital ratio | 10.33% | 15.27% (stronger) |
| Problem loans | 1.26% | 1.04% (stronger) |
| Net charge-offs | -0.15% (stronger) | 0.32% |
| Return on assets | 1.31% | 1.57% (stronger) |
| Loans ÷ deposits | 62.6% (stronger) | 76.5% |
| Uninsured deposits | 9.8% | 0.0% (stronger) |
| Offices | 4 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Trades & Labor Federal Credit Union has the higher TellerScore (85 vs 69). On the 7 directional measures above (where higher or lower is clearly better), Produce State Bank leads on 2 and Trades & Labor Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.