Side-by-side · Q2 2026 data
Northeast 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 | Northeast Bank | Toro Employees Federal Credit Union |
|---|---|---|
| TellerScore | 74 | 84 (stronger) |
| Capital cushion | 51 | 95 (stronger) |
| Loan quality | 93 (stronger) | 81 |
| Earnings | 79 (stronger) | 73 |
| Funding & liquidity | 66 | 72 (stronger) |
| Problem-loan coverage | 95 (stronger) | 94 |
| Peer percentile | 57th | 75th |
| Total assets | $837.3M | $41.5M |
| Deposits / shares | $760.7M | $34.9M |
| Capital ratio | 10.13% | 14.46% (stronger) |
| Problem loans | 0.20% (stronger) | 0.56% |
| Net charge-offs | -0.09% (stronger) | 0.30% |
| Return on assets | 1.49% (stronger) | 1.34% |
| Loans ÷ deposits | 77.7% (stronger) | 88.0% |
| Uninsured deposits | 30.0% | 4.1% (stronger) |
| Offices | 3 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 0.0% | — |
Toro Employees Federal Credit Union has the higher TellerScore (84 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Northeast Bank 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.