Side-by-side · Q2 2026 data
North American Banking Company vs Toro Employees Federal Credit Union
Credit union
Toro Employees Federal Credit Union
Bloomington, Minnesota · Under $100 million in assets
Metric by metric
| Measure | North American Banking Company | Toro Employees Federal Credit Union |
|---|---|---|
| TellerScore | 68 | 84 (stronger) |
| Capital cushion | 39 | 95 (stronger) |
| Loan quality | 83 (stronger) | 81 |
| Earnings | 100 (stronger) | 73 |
| Funding & liquidity | 39 | 72 (stronger) |
| Problem-loan coverage | 92 | 94 (stronger) |
| Peer percentile | 49th | 75th |
| Total assets | $1.5B | $41.5M |
| Deposits / shares | $1.1B | $34.9M |
| Capital ratio | 8.91% | 14.46% (stronger) |
| Problem loans | 0.51% (stronger) | 0.56% |
| Net charge-offs | 0.02% (stronger) | 0.30% |
| Return on assets | 2.13% (stronger) | 1.34% |
| Loans ÷ deposits | 71.3% (stronger) | 88.0% |
| Uninsured deposits | 81.2% | 4.1% (stronger) |
| Offices | 6 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Toro Employees Federal Credit Union has the higher TellerScore (84 vs 68). On the 7 directional measures above (where higher or lower is clearly better), North American Banking Company leads on 4 and Toro Employees Federal Credit Union on 3. 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.