Side-by-side · Q2 2026 data
St. Paul Federal Credit Union vs Building Trades Federal Credit Union
Credit union
Building Trades Federal Credit Union
Maple Grove, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | St. Paul Federal Credit Union | Building Trades Federal Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 73 |
| Capital cushion | 79 (stronger) | 59 |
| Loan quality | 93 (stronger) | 90 |
| Earnings | 46 | 63 (stronger) |
| Funding & liquidity | 67 | 79 (stronger) |
| Problem-loan coverage | 97 (stronger) | 79 |
| Peer percentile | 68th | 60th |
| Total assets | $252.1M | $249.9M |
| Deposits / shares | $215.2M | $217.5M |
| Capital ratio | 12.93% (stronger) | 10.92% |
| Problem loans | 0.20% (stronger) | 0.29% |
| Net charge-offs | 0.22% (stronger) | 0.28% |
| Return on assets | 0.66% | 1.08% (stronger) |
| Loans ÷ deposits | 92.7% | 71.2% (stronger) |
| Uninsured deposits | 15.5% (stronger) | 23.8% |
| Offices | 3 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 7.5% | 7.9% |
St. Paul Federal Credit Union has the higher TellerScore (76 vs 73). On the 7 directional measures above (where higher or lower is clearly better), St. Paul Federal Credit Union leads on 5 and Building Trades Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.