Credit Union Safety Analysis
Is Toro Employees Federal Credit Union Safe? Bloomington, Minnesota
Based on its Q2 2026 NCUA 5300 call report, Toro Employees Federal Credit Union has a net worth ratio of 14.46%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.56%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Toro Employees Federal Credit Union's net worth ratio is 14.46%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 14.46%
- Delinquency ratio (60+ days) (Q2 2026): 0.56%
- Return on assets (Q2 2026): 1.07%
- Loan-to-share ratio (Q2 2026): 88.00%
Toro Employees Federal Credit Union (NCUA charter 21644, established 1974) reported $41.5M in assets and 2,902 members for Q2 2026 from Bloomington, Minnesota. It ranks 55 of 79 credit unions in Minnesota by total assets. Total assets grew 1.7% from $40.8M on June 30, 2025. It has 147 fewer members than on June 30, 2025 (-4.8%). Its net worth ratio was up 0.89 percentage points from 13.57% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $15.9M of $30.8M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.56% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 14.02% for Q1 2026; 13.57% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.64% for Q1 2026; 0.67% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 1.58% for Q1 2026; 0.20% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 83.69% for Q1 2026; 81.27% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $15.9M
- Used vehicle loans: $6.9M
- New vehicle loans: $3.5M
- Other unsecured loans and lines of credit: $2.6M
- Other secured non-real estate loans and lines of credit: $2.0M
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $41.5M | 14.46% | 0.56% | 1.07% | 88.00% |
| March 31, 2026 | $42.0M | 14.02% | 0.64% | 1.58% | 83.69% |
| December 31, 2025 | $41.3M | 13.86% | 0.87% | 0.75% | 84.44% |
| September 30, 2025 | $40.9M | 13.83% | 0.61% | 1.16% | 83.79% |
| June 30, 2025 | $40.8M | 13.57% | 0.67% | 0.20% | 81.27% |
| March 31, 2025 | $40.1M | 13.75% | 0.52% | 0.79% | 84.67% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Toro Employees Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 21644) · FFIEC NIC profile (RSSD 10586)
Frequently asked questions
Is Toro Employees Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Toro Employees Federal Credit Union's net worth ratio is 14.46%, above the 7% NCUA threshold for well capitalized.
Is Toro Employees Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Toro Employees Federal Credit Union is a federally insured credit union (NCUA charter 21644): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Toro Employees Federal Credit Union's key safety ratios?
For Q2 2026, Toro Employees Federal Credit Union reports net worth 14.46%, delinquency 0.56%, ROA 1.07%, loan-to-share 88.00%.
What happens to my money if Toro Employees Federal Credit Union fails?
For Q2 2026, Toro Employees Federal Credit Union held $34.9M in shares and deposits for 2,902 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.