Side-by-side · Q2 2026 data
Toro Employees Federal Credit Union vs Heartland Credit Union
Credit union
Toro Employees Federal Credit Union
Bloomington, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Toro Employees Federal Credit Union | Heartland Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 60 |
| Capital cushion | 95 (stronger) | 51 |
| Loan quality | 81 (stronger) | 72 |
| Earnings | 73 (stronger) | 21 |
| Funding & liquidity | 72 | 91 (stronger) |
| Problem-loan coverage | 94 (stronger) | 90 |
| Peer percentile | 75th | 21st |
| Total assets | $41.5M | $172.0M |
| Deposits / shares | $34.9M | $148.2M |
| Capital ratio | 14.46% (stronger) | 10.06% |
| Problem loans | 0.56% (stronger) | 0.83% |
| Net charge-offs | 0.30% | 0.19% (stronger) |
| Return on assets | 1.34% (stronger) | 0.03% |
| Loans ÷ deposits | 88.0% | 69.5% (stronger) |
| Uninsured deposits | 4.1% (stronger) | 5.3% |
| Offices | 1 | 3 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Toro Employees Federal Credit Union has the higher TellerScore (84 vs 60). On the 7 directional measures above (where higher or lower is clearly better), Toro Employees Federal Credit Union leads on 5 and Heartland Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.