Side-by-side · Q2 2026 data
Toro Employees Federal Credit Union vs Electric Machinery Employees Credit Union
Credit union
Toro Employees Federal Credit Union
Bloomington, Minnesota · Under $100 million in assets
Credit union
Electric Machinery Employees Credit Union
Minneapolis, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Toro Employees Federal Credit Union | Electric Machinery Employees Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 71 |
| Capital cushion | 95 | 100 (stronger) |
| Loan quality | 81 (stronger) | 60 |
| Earnings | 73 (stronger) | 5 |
| Funding & liquidity | 72 | 100 (stronger) |
| Problem-loan coverage | 94 | 96 (stronger) |
| Peer percentile | 75th | 42nd |
| Total assets | $41.5M | $8.4M |
| Deposits / shares | $34.9M | $6.3M |
| Capital ratio | 14.46% | 24.60% (stronger) |
| Problem loans | 0.56% (stronger) | 1.20% |
| Net charge-offs | 0.30% | -0.00% (stronger) |
| Return on assets | 1.34% (stronger) | -0.38% |
| Loans ÷ deposits | 88.0% | 58.3% (stronger) |
| Uninsured deposits | 4.1% | 0.0% (stronger) |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Toro Employees Federal Credit Union has the higher TellerScore (84 vs 71). On the 7 directional measures above (where higher or lower is clearly better), Toro Employees Federal Credit Union leads on 3 and Electric Machinery Employees Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.