Toro Employees

Bloomington, MN · 1 · Charter #21644 · www.torofcu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$41.3M
91th percentile
Members
2,958
84th percentile
Total loans
$29.8M
98th percentile
Total shares
$35.3M
91th percentile

Profitability

Return on assets
1.21%
69th percentile
Net interest margin
3.88%
47th percentile
Efficiency ratio
50.91%
82th percentile
Non-interest income ratio
7.64%
44th percentile

Capital & Risk

Net worth ratio
13.86%
43th percentile
Delinquency rate
0.87%
45th percentile
Net charge-off rate
0.48%
34th percentile
Loan-to-share
84.44%
82th percentile

Growth

Member growth YoY
-9.32%
6th percentile
Asset growth YoY
5.61%
77th percentile
Loan growth YoY
0.32%
64th percentile
Share growth YoY
5.32%
77th percentile

Operations

Members / branch
2,958
91th percentile
Assets / member
$13,952
81th percentile
Field of membership penetration
42.26%
57th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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