Bloomington, Minnesota · Peer group 3
Toro Employees Credit Union
Toro Employees Credit Union holds $42.0M in assets across 2,905 members as of Q1 2026 — about $14K of assets per member, on a charter dating to 1974. Charter number 21644, in the $10M-$50M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $42.0M |
|---|---|
| Total loans | $30.0M |
| Total shares (deposits) | $35.8M |
| Net worth | $5.9M |
| Members | 2,905 |
| Assets per member | $14K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 4.7% | |
|---|---|---|
| Loans | 3.0% | around the 75th percentile of its peer group |
| Deposits | 4.2% | around the 71st percentile of its peer group |
| Members | -11.0% | lower than 95% of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 83.7% | around the 88th percentile of its peer group |
|---|---|---|
| Net worth ratio | 14.0% | around the 53rd percentile of its peer group |
| Return on assets | 1.58% | around the 88th percentile of its peer group |
| Delinquency ratio | 0.64% | around the 52nd percentile of its peer group |
| Cash / assets | 9.2% | around the 39th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Toro Employees Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Minnesota — the comparison set a peer ratio is measured against.
- West Metro Schools Credit Union
Hopkins, MN
$43.1M · 2,592 members
- Carpenters Credit Union
Saint Paul, MN
$43.9M · 15,373 members
- Virginia Coop Credit Union
Virginia, MN
$44.7M · 2,784 members
- Minnesota Catholic Credit Union
Little Canada, MN
$38.1M · 3,061 members
- Wakota Credit Union
South St Paul, MN
$46.0M · 3,725 members
- Nsp Credit Union
Maplewood, MN
$36.2M · 2,699 members
CUSignals is independent and is not affiliated with, endorsed by, or acting for Toro Employees Credit Union, nor for any regulator or trade association. Figures on this page are drawn from institution-level data for the quarter shown and may trail the institution’s own reporting; they are presented for information and are not investment, credit or merger advice, and not a recommendation about this or any institution. No institution can pay to be listed, delisted, or shown differently. To request a correction, email admin@infinidatum.net. See the disclaimer and privacy policy.