Toro Employees Federal Credit Union (NCUA charter #21644) is based in Bloomington, Minnesota. Its Q2 2026 call report shows $41.5M in total assets and $34.9M in member shares and deposits and 1 office.
Toro Employees Federal Credit Union has a TellerScore of 84 out of 100 (strong) based on Q2 2026 data — higher than 75% of its 2,479 credit unions with under $100 million in assets. Among 80 credit unions headquartered in Minnesota, it ranks 16th. Capital cushion contributes the most (95/100, 14.46%); funding & liquidity contributes the least (72/100, 88% loans-to-deposits, 4% uninsured).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 10 points (74 → 84), mostly because the earnings component improved by 34 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 81 |
| Q3 2024 | 82 |
| Q4 2024 | 78 |
| Q1 2025 | 78 |
| Q2 2025 | 74 |
| Q3 2025 | 77 |
| Q4 2025 | 75 |
| Q1 2026 | 84 |
| Q2 2026 | 84 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 14.41% |
| Q3 2024 | 14.48% |
| Q4 2024 | 13.91% |
| Q1 2025 | 13.75% |
| Q2 2025 | 13.57% |
| Q3 2025 | 13.83% |
| Q4 2025 | 13.86% |
| Q1 2026 | 14.02% |
| Q2 2026 | 14.46% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.40% |
| Q3 2024 | 0.49% |
| Q4 2024 | 0.60% |
| Q1 2025 | 0.52% |
| Q2 2025 | 0.67% |
| Q3 2025 | 0.61% |
| Q4 2025 | 0.87% |
| Q1 2026 | 0.64% |
| Q2 2026 | 0.56% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.90% |
| Q3 2024 | 1.04% |
| Q4 2024 | 0.90% |
| Q1 2025 | 0.79% |
| Q2 2025 | 0.49% |
| Q3 2025 | 0.71% |
| Q4 2025 | 0.72% |
| Q1 2026 | 1.58% |
| Q2 2026 | 1.34% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 84 | $41.5M | 14.46% | 0.56% | 1.34% | 88.0% |
| Q1 2026 | 84 | $42.0M | 14.02% | 0.64% | 1.58% | 83.7% |
| Q4 2025 | 75 | $41.3M | 13.86% | 0.87% | 0.72% | 84.4% |
| Q3 2025 | 77 | $40.9M | 13.83% | 0.61% | 0.71% | 83.8% |
| Q2 2025 | 74 | $40.8M | 13.57% | 0.67% | 0.49% | 81.3% |
| Q1 2025 | 78 | $40.1M | 13.75% | 0.52% | 0.79% | 84.7% |
| Q4 2024 | 78 | $39.1M | 13.91% | 0.60% | 0.90% | 88.6% |
| Q3 2024 | 82 | $37.2M | 14.48% | 0.49% | 1.04% | 92.4% |
| Q2 2024 | 81 | $36.5M | 14.41% | 0.40% | 0.90% | 94.3% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Minnesota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| West Metro Schools Credit UnionCredit union Hopkins, MN | 65 out of 100, Moderate | $43.6M | 17.9% | 2.87% | vs |
| Carpenters Federal Credit UnionCredit union Saint Paul, MN | 86 out of 100, Very strong | $44.3M | 16.0% | 1.01% | vs |
| Minnesota Catholic Credit UnionCredit union Little Canada, MN | 78 out of 100, Strong | $38.6M | 12.6% | 0.43% | vs |
| Wakota Federal Credit UnionCredit union South St Paul, MN | 66 out of 100, Moderate | $44.8M | 10.9% | 1.49% | vs |
| Virginia Coop Credit UnionCredit union Virginia, MN | 78 out of 100, Strong | $45.7M | 11.6% | 0.86% | vs |
| Nsp Credit UnionCredit union Maplewood, MN | 67 out of 100, Moderate | $35.1M | 20.9% | 1.22% | vs |
Deposit insurance
Is my money safe at Toro Employees Federal Credit Union?
Yes. Toro Employees Federal Credit Union is a federally insured credit union (NCUA charter #21644). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 4.1% of shares and deposits ($1.4M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 14.46%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Toro Employees Federal Credit Union lists 1 office in 1 city. Most locations:
- Bloomington, MN (1)
Identity & history
Profile
- Legal name
- Toro Employees Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 21644
- RSSD ID
- 10586
- Primary regulator
- NCUA
- Established
- 1974
- Headquarters
- 8111 Lyndale Ave S, Bloomington, MN 55420
- Employees
- 6
Quick answers
Toro Employees Federal Credit Union: common questions
Is Toro Employees Federal Credit Union NCUA insured?
Yes. Toro Employees Federal Credit Union is a federally insured credit union (NCUA charter #21644). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Toro Employees Federal Credit Union's TellerScore?
84 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Toro Employees Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Bloomington
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Castle Rock BankBank Castle Rock, MN | 93 out of 100, Very strong | $293.5M | 14.2% | 0.01% | vs |
| Vermillion State BankBank Vermillion, MN | 90 out of 100, Very strong | $931.4M | 13.4% | 0.24% | vs |
| Ziegler Federal Credit UnionCredit union Bloomington, MN | 87 out of 100, Very strong | $4.3M | 26.9% | 1.09% | vs |
| Think Mutual BankBank Rochester, MN | 86 out of 100, Very strong | $2.2B | 16.3% | 0.25% | vs |
| Carpenters Federal Credit UnionCredit union Saint Paul, MN | 86 out of 100, Very strong | $44.3M | 16.0% | 1.01% | vs |
| Scale BankBank Edina, MN | 83 out of 100, Strong | $626.7M | 14.0% | 0.06% | vs |