Side-by-side · Q2 2026 data
Trades & Labor Federal Credit Union vs Accentra Credit Union
Credit union
Trades & Labor Federal Credit Union
Albert Lea, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Trades & Labor Federal Credit Union | Accentra Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 61 |
| Capital cushion | 100 (stronger) | 57 |
| Loan quality | 65 (stronger) | 48 |
| Earnings | 83 (stronger) | 55 |
| Funding & liquidity | 84 | 87 (stronger) |
| Problem-loan coverage | 91 (stronger) | 79 |
| Peer percentile | 77th | 24th |
| Total assets | $23.0M | $208.2M |
| Deposits / shares | $19.4M | $186.4M |
| Capital ratio | 15.27% (stronger) | 10.67% |
| Problem loans | 1.04% (stronger) | 1.57% |
| Net charge-offs | 0.32% (stronger) | 1.21% |
| Return on assets | 1.57% (stronger) | 0.88% |
| Loans ÷ deposits | 76.5% | 72.8% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 4.0% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 14.5% |
Trades & Labor Federal Credit Union has the higher TellerScore (85 vs 61). On the 7 directional measures above (where higher or lower is clearly better), Trades & Labor Federal Credit Union leads on 6 and Accentra Credit Union on 1. 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.