Side-by-side · Q2 2026 data
Key Community Bank vs Toro Employees Federal Credit Union
Credit union
Toro Employees Federal Credit Union
Bloomington, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Key Community Bank | Toro Employees Federal Credit Union |
|---|---|---|
| TellerScore | 57 | 84 (stronger) |
| Capital cushion | 57 | 95 (stronger) |
| Loan quality | 100 (stronger) | 81 |
| Earnings | 16 | 73 (stronger) |
| Funding & liquidity | 30 | 72 (stronger) |
| Problem-loan coverage | 67 | 94 (stronger) |
| Peer percentile | 14th | 75th |
| Total assets | $121.0M | $41.5M |
| Deposits / shares | $107.6M | $34.9M |
| Capital ratio | 10.66% | 14.46% (stronger) |
| Problem loans | 0.00% (stronger) | 0.56% |
| Net charge-offs | 1.36% | 0.30% (stronger) |
| Return on assets | -0.11% | 1.34% (stronger) |
| Loans ÷ deposits | 95.8% | 88.0% (stronger) |
| Uninsured deposits | 45.6% | 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 57). On the 7 directional measures above (where higher or lower is clearly better), Key Community Bank leads on 1 and Toro Employees Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.