Side-by-side · Q2 2026 data
Trades & Labor Federal Credit Union vs Metropolitan Services Credit Union
Credit union
Trades & Labor Federal Credit Union
Albert Lea, Minnesota · Under $100 million in assets
Credit union
Metropolitan Services Credit Union
Saint Paul, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Trades & Labor Federal Credit Union | Metropolitan Services Credit Union |
|---|---|---|
| TellerScore | 85 (stronger) | 65 |
| Capital cushion | 100 (stronger) | 46 |
| Loan quality | 65 | 100 (stronger) |
| Earnings | 83 (stronger) | 6 |
| Funding & liquidity | 84 | 100 (stronger) |
| Problem-loan coverage | 91 | 100 (stronger) |
| Peer percentile | 77th | 30th |
| Total assets | $23.0M | $12.3M |
| Deposits / shares | $19.4M | $11.5M |
| Capital ratio | 15.27% (stronger) | 9.59% |
| Problem loans | 1.04% | 0.00% (stronger) |
| Net charge-offs | 0.32% (stronger) | 1.70% |
| Return on assets | 1.57% (stronger) | -0.36% |
| Loans ÷ deposits | 76.5% | 57.1% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| 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 65). On the 6 directional measures above (where higher or lower is clearly better), Trades & Labor Federal Credit Union leads on 4 and Metropolitan Services Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.