TORO EMPLOYEES
Charter #21644 · Bloomington, MN · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of 1.59% ranks in the 89th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.95% sits at the 87th percentile of structural peers — worth a closer look.
- Efficiency ratio of 64.10% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
- On Loan-to-share, the asset-size band puts this credit union at the 88th percentile but its structural peers at the 54th — a 34-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | TORO EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $41.98M | 86th pct | 61th pct |
| Members | 2,905 | 73th pct | 54th pct |
| Net worth ratio | 14.02% | 53th pct | 62th pct |
| Return on average assets | 1.59% | 88th pct | 89th pct |
| Net interest margin | 4.08% | 61th pct | 49th pct |
| Cost of funds | 1.95% | 89th pct | 87th pct |
| Loan-to-share | 83.69% | 88th pct | 54th pct |
| Delinquency 60+ days | 0.64% | 52th pct | 56th pct |
| Net charge-off ratio | 0.18% | 55th pct | 59th pct |
| Loan growth YoY | 2.28% | 83th pct | 74th pct |
| Share growth YoY | 2.41% | 49th pct | 44th pct |
| Efficiency ratio | 64.10% | 16th pct | 15th pct |
structural peer set hash: 83250ba3c43a1131bbddd9053ba47122… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.