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 0.10% above tier average
- + AMR Growth Rate: Top 5.6% in tier
- + Loan-to-Member Ratio (LMR): Top 8.0% in tier
Key Concerns
Areas that may need attention
- - Member decline: -9.3% YoY
- - Member Growth Rate: Bottom 6.1% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MN) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
2,958
-9.3% YoY-0.6% QoQ
|
+342 |
2,615
-1.9% YoY
|
26,823
+5.6% YoY
|
33,374
+5.7% YoY
|
66% |
| Assets |
$41.3M
+5.6% YoY+1.0% QoQ
|
+$11.1M |
$30.1M
+2.1% YoY
|
$530.2M
+9.2% YoY
|
$561.6M
+9.7% YoY
|
70% |
| Loans |
$29.8M
+0.3% YoY+1.8% QoQ
|
+$14.1M |
$15.8M
-1.3% YoY
|
$377.5M
+9.0% YoY
|
$397.0M
+8.8% YoY
|
82% |
| Deposits |
$35.3M
+5.3% YoY+1.0% QoQ
|
+$9.6M |
$25.7M
+1.4% YoY
|
$437.6M
+9.7% YoY
|
$477.3M
+9.7% YoY
|
70% |
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| ROA |
0.7%
-22.3% YoY+1.2% QoQ
|
+0.1% |
0.6%
+10.8% YoY
|
1.0%
-42.4% YoY
|
0.7%
+15.9% YoY
|
52% |
| NIM |
3.9%
+2.5% YoY+0.8% QoQ
|
-0.1% |
4.0%
+4.0% YoY
|
3.7%
+8.9% YoY
|
3.8%
+5.1% YoY
|
50% |
| Efficiency Ratio |
72.1%
-1.0% YoY-1.2% QoQ
|
-10.4% |
82.6%
-2.3% YoY
|
75.5%
-2.5% YoY
|
79.7%
-3.3% YoY
|
32% |
| Delinquency Rate |
0.9%
+44.9% YoY+42.5% QoQ
|
-0.7 |
1.6%
-3.1% YoY
|
0.9%
+7.2% YoY
|
1.3%
-2.1% YoY
|
55% |
| Loan To Share |
84.4%
-4.7% YoY+0.8% QoQ
|
+23.8% |
60.6%
-3.1% YoY
|
75.7%
-1.2% YoY
|
67.4%
-1.7% YoY
|
84% |
| AMR |
$22,030
+13.6% YoY+2.0% QoQ
|
+$7K |
$14,783
-1.4% YoY
|
$23,721
+5.3% YoY
|
$19,687
+2.0% YoY
|
Top 14.5% in tier |
| CD Concentration |
33.9%
+4.7% YoY-3.6% QoQ
|
+9.4% | 24.4% | 22.0% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.5% | 7.8% | 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)