Side-by-side · Q2 2026 data
Toro Employees Federal Credit Union vs Transit Operations Federal Credit Union
Credit union
Toro Employees Federal Credit Union
Bloomington, Minnesota · Under $100 million in assets
Credit union
Transit Operations Federal Credit Union
Minneapolis, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Toro Employees Federal Credit Union | Transit Operations Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 55 |
| Capital cushion | 95 | 100 (stronger) |
| Loan quality | 81 (stronger) | 0 |
| Earnings | 73 (stronger) | 8 |
| Funding & liquidity | 72 | 100 (stronger) |
| Problem-loan coverage | 94 (stronger) | 86 |
| Peer percentile | 75th | 15th |
| Total assets | $41.5M | $4.1M |
| Deposits / shares | $34.9M | $3.4M |
| Capital ratio | 14.46% | 16.41% (stronger) |
| Problem loans | 0.56% (stronger) | 4.10% |
| Net charge-offs | 0.30% (stronger) | 5.87% |
| Return on assets | 1.34% (stronger) | -0.31% |
| Loans ÷ deposits | 88.0% | 32.8% (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 55). On the 7 directional measures above (where higher or lower is clearly better), Toro Employees Federal Credit Union leads on 4 and Transit Operations Federal Credit Union on 3. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.