Side-by-side · Q2 2026 data
Farmers State Bank of Hamel vs Toro Employees Federal Credit Union
Credit union
Toro Employees Federal Credit Union
Bloomington, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Farmers State Bank of Hamel | Toro Employees Federal Credit Union |
|---|---|---|
| TellerScore | 72 | 84 (stronger) |
| Capital cushion | 45 | 95 (stronger) |
| Loan quality | 100 (stronger) | 81 |
| Earnings | 55 | 73 (stronger) |
| Funding & liquidity | 82 (stronger) | 72 |
| Problem-loan coverage | 100 (stronger) | 94 |
| Peer percentile | 50th | 75th |
| Total assets | $198.3M | $41.5M |
| Deposits / shares | $185.1M | $34.9M |
| Capital ratio | 9.52% | 14.46% (stronger) |
| Problem loans | 0.00% (stronger) | 0.56% |
| Net charge-offs | 0.00% (stronger) | 0.30% |
| Return on assets | 0.87% | 1.34% (stronger) |
| Loans ÷ deposits | 34.7% (stronger) | 88.0% |
| Uninsured deposits | 31.5% | 4.1% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Toro Employees Federal Credit Union has the higher TellerScore (84 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Farmers State Bank of Hamel leads on 3 and Toro Employees Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.