BlastPoint's Credit Union Scorecard
TORO EMPLOYEES
Charter #21644 · MN
TORO EMPLOYEES has 6 strengths but faces 2 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.03% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 5.4% in tier
- + Deposit Growth Rate: Top 8.4% in tier
- + Loan-to-Member Ratio (LMR): Top 8.6% in tier
- + Asset Growth Rate: Top 8.7% in tier
Key Concerns
Areas that may need attention
- - Member decline: -7.2% YoY
- - Member Growth Rate: Bottom 9.7% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,977
-7.2% YoY-2.4% QoQ
|
+351 |
2,625
-2.2% YoY
|
26,738
+5.8% YoY
|
33,089
+6.1% YoY
|
66% |
| Assets |
$40.9M
+9.9% YoY+0.2% QoQ
|
+$11.0M |
$29.9M
+1.1% YoY
|
$521.2M
+7.2% YoY
|
$547.7M
+7.8% YoY
|
71% |
| Loans |
$29.3M
-0.1% YoY+2.5% QoQ
|
+$13.5M |
$15.8M
-2.4% YoY
|
$373.7M
+9.3% YoY
|
$388.7M
+8.6% YoY
|
82% |
| Deposits |
$35.0M
+10.2% YoY-0.6% QoQ
|
+$9.5M |
$25.5M
+0.4% YoY
|
$429.0M
+9.5% YoY
|
$464.6M
+9.3% YoY
|
70% |
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| ROA |
0.7%
-32.4% YoY+44.8% QoQ
|
+0.0% |
0.7%
-731.4% YoY
|
1.4%
-35.4% YoY
|
0.7%
+273.4% YoY
|
47% |
| NIM |
3.9%
-0.1% YoY+1.4% QoQ
|
-0.1% |
3.9%
+3.8% YoY
|
3.7%
+9.1% YoY
|
3.7%
+5.0% YoY
|
49% |
| Efficiency Ratio |
73.0%
-0.6% YoY-7.7% QoQ
|
-8.4% |
81.4%
-2.4% YoY
|
74.2%
-2.5% YoY
|
79.1%
-3.3% YoY
|
37% |
| Delinquency Rate |
0.6%
+25.3% YoY-9.8% QoQ
|
-0.9 |
1.5%
-2.0% YoY
|
0.9%
+10.7% YoY
|
1.2%
-0.9% YoY
|
47% |
| Loan To Share |
83.8%
-9.3% YoY+3.1% QoQ
|
+22.6% |
61.2%
-3.0% YoY
|
77.1%
-1.5% YoY
|
68.0%
-1.7% YoY
|
82% |
| AMR |
$21,600
+13.5% YoY+3.3% QoQ
|
+$7K |
$14,627
-2.7% YoY
|
$23,275
+3.9% YoY
|
$19,418
+1.3% YoY
|
85% |
| CD Concentration |
35.1%
+14.4% YoY+3.9% QoQ
|
+10.7% |
24.4%
+4.2% YoY
|
22.0%
+1.9% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
6.6%
-8.5% YoY
|
7.9%
-2.9% YoY
|
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)