Side-by-side · Q2 2026 data
The First State Bank of Rosemount vs Toro Employees Federal Credit Union
Credit union
Toro Employees Federal Credit Union
Bloomington, Minnesota · Under $100 million in assets
Metric by metric
| Measure | The First State Bank of Rosemount | Toro Employees Federal Credit Union |
|---|---|---|
| TellerScore | 27 | 84 (stronger) |
| Capital cushion | 13 | 95 (stronger) |
| Loan quality | 4 | 81 (stronger) |
| Earnings | 33 | 73 (stronger) |
| Funding & liquidity | 87 (stronger) | 72 |
| Problem-loan coverage | 27 | 94 (stronger) |
| Peer percentile | 0th | 75th |
| Total assets | $146.1M | $41.5M |
| Deposits / shares | $138.4M | $34.9M |
| Capital ratio | 6.28% | 14.46% (stronger) |
| Problem loans | 2.88% | 0.56% (stronger) |
| Net charge-offs | 0.13% (stronger) | 0.30% |
| Return on assets | 0.33% | 1.34% (stronger) |
| Loans ÷ deposits | 73.4% (stronger) | 88.0% |
| Uninsured deposits | 9.8% | 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 27). On the 7 directional measures above (where higher or lower is clearly better), The First State Bank of Rosemount 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.