Side-by-side · Q2 2026 data
North Memorial Federal Credit Union vs Toro Employees Federal Credit Union
Credit union
North Memorial Federal Credit Union
Robbinsdale, Minnesota · Under $100 million in assets
Credit union
Toro Employees Federal Credit Union
Bloomington, Minnesota · Under $100 million in assets
Metric by metric
| Measure | North Memorial Federal Credit Union | Toro Employees Federal Credit Union |
|---|---|---|
| TellerScore | 75 | 84 (stronger) |
| Capital cushion | 68 | 95 (stronger) |
| Loan quality | 77 | 81 (stronger) |
| Earnings | 62 | 73 (stronger) |
| Funding & liquidity | 91 (stronger) | 72 |
| Problem-loan coverage | 93 | 94 (stronger) |
| Peer percentile | 52nd | 75th |
| Total assets | $50.7M | $41.5M |
| Deposits / shares | $44.4M | $34.9M |
| Capital ratio | 11.84% | 14.46% (stronger) |
| Problem loans | 0.68% | 0.56% (stronger) |
| Net charge-offs | -0.06% (stronger) | 0.30% |
| Return on assets | 1.04% | 1.34% (stronger) |
| Loans ÷ deposits | 69.0% (stronger) | 88.0% |
| Uninsured deposits | 4.5% | 4.1% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Toro Employees Federal Credit Union has the higher TellerScore (84 vs 75). On the 7 directional measures above (where higher or lower is clearly better), North Memorial Federal Credit Union leads on 2 and Toro Employees Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.