Side-by-side · Q2 2026 data
Toro Employees Federal Credit Union vs Wakota Federal Credit Union
Credit union
Toro Employees Federal Credit Union
Bloomington, Minnesota · Under $100 million in assets
Credit union
Wakota Federal Credit Union
South St Paul, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Toro Employees Federal Credit Union | Wakota Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 66 |
| Capital cushion | 95 (stronger) | 60 |
| Loan quality | 81 (stronger) | 50 |
| Earnings | 73 (stronger) | 67 |
| Funding & liquidity | 72 | 91 (stronger) |
| Problem-loan coverage | 94 (stronger) | 83 |
| Peer percentile | 75th | 32nd |
| Total assets | $41.5M | $44.8M |
| Deposits / shares | $34.9M | $39.4M |
| Capital ratio | 14.46% (stronger) | 10.95% |
| Problem loans | 0.56% (stronger) | 1.49% |
| Net charge-offs | 0.30% (stronger) | 1.13% |
| Return on assets | 1.34% (stronger) | 1.18% |
| Loans ÷ deposits | 88.0% | 69.0% (stronger) |
| Uninsured deposits | 4.1% | 0.8% (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 66). On the 7 directional measures above (where higher or lower is clearly better), Toro Employees Federal Credit Union leads on 5 and Wakota Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.