Side-by-side · Q2 2026 data
Trades & Labor Federal Credit Union vs Austin City Employees Credit Union
Credit union
Trades & Labor Federal Credit Union
Albert Lea, Minnesota · Under $100 million in assets
Credit union
Austin City Employees Credit Union
Austin, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Trades & Labor Federal Credit Union | Austin City Employees Credit Union |
|---|---|---|
| TellerScore | 85 | 97 (stronger) |
| Capital cushion | 100 | 100 |
| Loan quality | 65 | 100 (stronger) |
| Earnings | 83 | 94 (stronger) |
| Funding & liquidity | 84 | 89 (stronger) |
| Problem-loan coverage | 91 | 100 (stronger) |
| Peer percentile | 77th | 98th |
| Total assets | $23.0M | $11.6M |
| Deposits / shares | $19.4M | $9.3M |
| Capital ratio | 15.27% | 19.09% (stronger) |
| Problem loans | 1.04% | 0.00% (stronger) |
| Net charge-offs | 0.32% | 0.00% (stronger) |
| Return on assets | 1.57% | 1.86% (stronger) |
| Loans ÷ deposits | 76.5% | 71.5% (stronger) |
| Uninsured deposits | 0.0% (stronger) | 2.9% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Austin City Employees Credit Union has the higher TellerScore (97 vs 85). On the 7 directional measures above (where higher or lower is clearly better), Trades & Labor Federal Credit Union leads on 1 and Austin City Employees Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.