Side-by-side · Q2 2026 data
Toro Employees Federal Credit Union vs Carpenters Federal Credit Union
Credit union
Toro Employees Federal Credit Union
Bloomington, Minnesota · Under $100 million in assets
Credit union
Carpenters Federal Credit Union
Saint Paul, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Toro Employees Federal Credit Union | Carpenters Federal Credit Union |
|---|---|---|
| TellerScore | 84 | 86 (stronger) |
| Capital cushion | 95 | 100 (stronger) |
| Loan quality | 81 (stronger) | 66 |
| Earnings | 73 | 74 (stronger) |
| Funding & liquidity | 72 | 100 (stronger) |
| Problem-loan coverage | 94 | 95 (stronger) |
| Peer percentile | 75th | 80th |
| Total assets | $41.5M | $44.3M |
| Deposits / shares | $34.9M | $37.6M |
| Capital ratio | 14.46% | 16.03% (stronger) |
| Problem loans | 0.56% (stronger) | 1.01% |
| Net charge-offs | 0.30% | 0.06% (stronger) |
| Return on assets | 1.34% | 1.35% (stronger) |
| Loans ÷ deposits | 88.0% | 50.7% (stronger) |
| Uninsured deposits | 4.1% | 2.6% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Carpenters Federal Credit Union has the higher TellerScore (86 vs 84). On the 7 directional measures above (where higher or lower is clearly better), Toro Employees Federal Credit Union leads on 1 and Carpenters Federal Credit Union on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.