You would basically have to write a query on the table 'album' to see if they have an albumid for that userid. So, you would have to JOIN with that table ON userid to get, say MAX(albumid) and if that exists then display whatever. If it is NULL, then you wouldn't display anything.
If you do it by using a plugin to the post query, then I doubt you would notice a thing. If you do it by running a separate query per post, then you could notice something, but it's doubtful since it's such a small query, but that depends on your server really.