Side-by-side · Q2 2026 data
Luminate 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 | Luminate Bank | Toro Employees Federal Credit Union |
|---|---|---|
| TellerScore | 47 | 84 (stronger) |
| Capital cushion | 54 | 95 (stronger) |
| Loan quality | 22 | 81 (stronger) |
| Earnings | 100 (stronger) | 73 |
| Funding & liquidity | 1 | 72 (stronger) |
| Problem-loan coverage | 56 | 94 (stronger) |
| Peer percentile | 5th | 75th |
| Total assets | $554.5M | $41.5M |
| Deposits / shares | $412.7M | $34.9M |
| Capital ratio | 10.40% | 14.46% (stronger) |
| Problem loans | 2.33% | 0.56% (stronger) |
| Net charge-offs | 0.53% | 0.30% (stronger) |
| Return on assets | 3.07% (stronger) | 1.34% |
| Loans ÷ deposits | 108.8% | 88.0% (stronger) |
| Uninsured deposits | 63.3% | 4.1% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 4.3% | — |
Toro Employees Federal Credit Union has the higher TellerScore (84 vs 47). On the 7 directional measures above (where higher or lower is clearly better), Luminate Bank leads on 1 and Toro Employees Federal Credit Union on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.