Side-by-side · Q2 2026 data
Ziegler Federal Credit Union vs Toro Employees Federal Credit Union
Credit union
Ziegler Federal Credit Union
Bloomington, Minnesota · Under $100 million in assets
Credit union
Toro Employees Federal Credit Union
Bloomington, Minnesota · Under $100 million in assets
Metric by metric
| Measure | Ziegler Federal Credit Union | Toro Employees Federal Credit Union |
|---|---|---|
| TellerScore | 87 (stronger) | 84 |
| Capital cushion | 100 (stronger) | 95 |
| Loan quality | 64 | 81 (stronger) |
| Earnings | 88 (stronger) | 73 |
| Funding & liquidity | 91 (stronger) | 72 |
| Problem-loan coverage | 96 (stronger) | 94 |
| Peer percentile | 83rd | 75th |
| Total assets | $4.3M | $41.5M |
| Deposits / shares | $3.2M | $34.9M |
| Capital ratio | 26.88% (stronger) | 14.46% |
| Problem loans | 1.09% | 0.56% (stronger) |
| Net charge-offs | 0.10% (stronger) | 0.30% |
| Return on assets | 1.71% (stronger) | 1.34% |
| Loans ÷ deposits | 69.0% (stronger) | 88.0% |
| Uninsured deposits | 0.0% (stronger) | 4.1% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Ziegler Federal Credit Union has the higher TellerScore (87 vs 84). On the 7 directional measures above (where higher or lower is clearly better), Ziegler Federal Credit Union leads on 6 and Toro Employees Federal Credit Union on 1. 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.