BlastPoint's Credit Union Scorecard
TORO EMPLOYEES
Charter #21644 · MN
TORO EMPLOYEES has 3 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.43% above tier average
- + AMR Growth Rate: Top 4.1% in tier
- + Loan-to-Member Ratio (LMR): Top 7.3% in tier
Key Concerns
Areas that may need attention
- - Member decline: -11.0% YoY
- - Member Growth Rate: Bottom 5.0% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,905
-11.0% YoY-1.8% QoQ
|
+228 |
2,676
+1.6% YoY
|
22,507
-13.7% YoY
|
33,913
+5.7% YoY
|
66% |
| Assets |
$42.0M
+4.7% YoY+1.7% QoQ
|
+$11.8M |
$30.2M
+1.3% YoY
|
$434.0M
-15.1% YoY
|
$578.3M
+9.0% YoY
|
71% |
| Loans |
$30.0M
+3.0% YoY+0.5% QoQ
|
+$14.7M |
$15.3M
-2.0% YoY
|
$293.6M
-17.5% YoY
|
$402.4M
+8.7% YoY
|
83% |
| Deposits |
$35.8M
+4.2% YoY+1.4% QoQ
|
+$10.0M |
$25.8M
+0.7% YoY
|
$364.1M
-13.5% YoY
|
$494.3M
+9.1% YoY
|
70% |
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| ROA |
1.6%
+98.7% YoY+119.9% QoQ
|
+1.4% |
0.1%
-77.6% YoY
|
0.2%
-92.6% YoY
|
0.4%
-39.2% YoY
|
Top 13.4% in tier |
| NIM |
4.0%
+6.0% YoY+3.6% QoQ
|
+0.0% |
4.0%
+4.0% YoY
|
3.7%
+5.4% YoY
|
3.8%
+4.1% YoY
|
60% |
| Efficiency Ratio |
64.1%
-16.2% YoY-11.1% QoQ
|
-26.5% |
90.6%
+6.5% YoY
|
102.0%
+29.5% YoY
|
84.6%
+2.8% YoY
|
17% |
| Delinquency Rate |
0.6%
+23.2% YoY-25.7% QoQ
|
-0.9 |
1.5%
+3.8% YoY
|
0.8%
-5.2% YoY
|
1.2%
+3.4% YoY
|
49% |
| Loan To Share |
83.7%
-1.2% YoY-0.9% QoQ
|
+25.2% |
58.5%
-3.0% YoY
|
73.2%
-2.1% YoY
|
65.6%
-1.4% YoY
|
Top 14.4% in tier |
| AMR |
$22,656
+16.4% YoY+2.8% QoQ
|
+$8K |
$14,884
-1.7% YoY
|
$24,012
+4.3% YoY
|
$19,920
+1.6% YoY
|
Top 13.3% in tier |
| CD Concentration |
31.4%
-1.0% YoY-7.1% QoQ
|
+7.2% | 24.3% | 22.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.4% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)