Side-by-side · Q2 2026 data
Toro Employees Federal Credit Union vs South Metro Federal Credit Union
Credit union
Toro Employees Federal Credit Union
Bloomington, Minnesota · Under $100 million in assets
Credit union
South Metro Federal Credit Union
Prior Lake, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | Toro Employees Federal Credit Union | South Metro Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 51 |
| Capital cushion | 95 (stronger) | 31 |
| Loan quality | 81 | 83 (stronger) |
| Earnings | 73 (stronger) | 22 |
| Funding & liquidity | 72 (stronger) | 51 |
| Problem-loan coverage | 94 (stronger) | 90 |
| Peer percentile | 75th | 7th |
| Total assets | $41.5M | $184.8M |
| Deposits / shares | $34.9M | $173.3M |
| Capital ratio | 14.46% (stronger) | 8.09% |
| Problem loans | 0.56% | 0.50% (stronger) |
| Net charge-offs | 0.30% (stronger) | 0.33% |
| Return on assets | 1.34% (stronger) | 0.04% |
| Loans ÷ deposits | 88.0% | 82.5% (stronger) |
| Uninsured deposits | 4.1% (stronger) | 39.3% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | 8.3% |
Toro Employees Federal Credit Union has the higher TellerScore (84 vs 51). On the 7 directional measures above (where higher or lower is clearly better), Toro Employees Federal Credit Union leads on 5 and South Metro Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.