Toro Employees Federal Credit Union
Bloomington, MN·Charter 21644·cu:21644·Credit union RBC / net worth
- #56 of 80Total assets in Minnesota
- 2,902members
Performance over time
7 available quarters · Gaps indicate missing data · Reported period-end total assets; consolidated for FFIEC 031.
Inside the balance sheet
Credit union · Shares of reported gross loans. Missing components are not treated as zero.
What stands out at Toro Employees Federal Credit Union
2 of 23 FORFI signals stand out against 2478 similar credit unions, based on NCUA data for the quarter.
Reliance on share certificates falling while the peer median holds steadyNotable: Funding28.1%peers 12.7%+15.4 pp
Toro Employees Federal Credit Union's certificates' share of shares fell 5.7 percentage points over the past year to 28.1%. Among 2470 similar credit unions, the median was essentially unchanged.
| This institution | Peer median | Difference |
|---|---|---|
| Certificates' share of shares | ||
| 28.1% | 12.7% | +15.4 pp |
| 12-month change | ||
| -5.7 pp | 0.0 pp | -5.7 pp |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 2478 credit unions with under $100 million in assets that filed NCUA data for the same quarter. Toro Employees Federal Credit Union itself is left out of every peer median and percentile. How signals work
Lending absorbing more of the share base as cash fallsWorth a look: Liquidity88.0%+6.7 pp in 12 months
Toro Employees Federal Credit Union's loans rose to 88.0% of shares and deposits, 6.7 percentage points higher than a year earlier, while cash fell to 14.7% of assets. The median change in the loan-to-share ratio among 2470 similar credit unions was -2.0 pp.
| Observed | Change |
|---|---|
| Loans / shares and deposits | |
| 88.0% | +6.7 pp in 12 months |
| Cash / assets | |
| 14.7% | -4.7 pp in 12 months |
FORFI flags a change when an institution sits in the outer tail of similar institutions and the gap is large enough to matter. Peers: 2478 credit unions with under $100 million in assets that filed NCUA data for the same quarter. Toro Employees Federal Credit Union itself is left out of every peer median and percentile. How signals work
Where Toro Employees Federal Credit Union differs most from peers
Efficiency ratio falling while the peer median risesContext: Efficiency67.2%peers 79.8%-12.6 pp
Toro Employees Federal Credit Union's efficiency ratio fell 14.4 percentage points over the past year to 67.2%. Among 2444 similar credit unions, the median rose 2.6 percentage points.
| This institution | Peer median | Difference |
|---|---|---|
| Efficiency ratio | ||
| 67.2% | 79.8% | -12.6 pp |
| 12-month change | ||
| -14.4 pp | +2.6 pp | -17.0 pp |
Not a flagged change: this is where the institution sits furthest from similar institutions this quarter. Peers: 2478 credit unions with under $100 million in assets that filed NCUA data for the same quarter. Toro Employees Federal Credit Union itself is left out of every peer median and percentile. How signals work
Key facts
- Toro Employees Federal Credit Union is a federally chartered credit union headquartered in Bloomington, Minnesota. It reported $41.5 million in total assets for the quarter ended June 30, 2026.
- Shares and deposits totaled $34.9 million, down 0.7% from a year earlier, and loans totaled $30.8 million, up 7.5%.
- Its net interest margin on average assets was 4.38% and its annualized return on assets was 1.07% for the quarter.
- Its cost of all shares and deposits was 1.92%, compared with a median of 0.91% among 2475 similar credit unions with under $100 million in assets.
- It served 2,902 members, down 4.8% from a year earlier.
Scorecard against peers
Capitalization
Liquidity & funding
Margin & yield
Income & expense
Asset quality
Charge-offs & allowance
Arrows show whether the value sits above or below the peer median. Colour shows whether that side is favourable for the measure: green favourable, red unfavourable, grey where neither side is (for example, a lower loan-to-core-deposit ratio is favourable, so a negative gap is green). Peer medians cover the same source, form, period, institution type and asset band, and count this institution in its own cohort. The peer line on every chart reads the same cohort. Regulatory definitions differ from FORFI quarterly estimates.
Watch items
Screening prompts computed from this filing only. Thresholds follow common review conventions and interagency concentration references; they are not supervisory ratings or predictions.
Public filings show what changed. Internal data shows why.
With Toro Employees Federal Credit Union's own data, FORFI would look at: Which depositors and relationships drive the change in funding, and what to offer them next.
Analysis workspaces
Sources and identifiers
- Institution
- Toro Employees Federal Credit Union · Credit union
- NCUA charter
- 21644
- Reporting period
- Peer group
- 2478 credit unions with under $100 million in assets that filed NCUA data for the same quarter. Toro Employees Federal Credit Union itself is left out of every peer median and percentile.
Figures are FORFI calculations from public regulatory filings, shown as reported. Signals are descriptive screening rules, not supervisory ratings, credit opinions or forecasts. Methodology
Income & calculation basis
NCUA · 2026-04-01 through 2026-06-30 · Annualization factor 4.010989 applies to ROA and margin only.
| Measure | FORFI calculation |
|---|---|
| $111.37K | |
| $625K | |
| $169.59K | |
| $455.41K | |
| $44.52K | |
| $335.94K | |
| $52.62K | |
| $52.62K | |
| 1.07% | |
| 4.38% | |
| 67.20% |
How to interpret differences
Flows cover the selected income window. Balance-sheet amounts, members and staffing are as of the filing date.
Published FDIC references use the regulator's own averaging, annualization and adjustments; the convention selector changes FORFI calculations only. Source-provided averages are used when available; endpoint fallbacks are labeled estimates.
Missing inputs remain unavailable. Credit-union margins use average assets and are not comparable with bank margins over earning assets.
AFS + HTM securities exclude deposits at other institutions. Broader investment totals may overlap cash; do not add them to cash without reconciling components.
Regulatory source definitionsFiling imported 2026-09-16T13:43:41.229347+00:00. Separate reference provenance is included in the export.