Toro Employees Federal Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 13.8 and a net worth ratio of 13.9. A current level of 4.5 percent of nonperforming loans to core capital contributes to the Excellent asset quality (8.4).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (7.1 on a scale of 0 to 10). Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.7 has resulted in Good (5.9) profitability.
Asset Mix:
Consumer loans (31%), home mtgs (11%), securities (7%), other (51%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
8111 Lyndale Avenue, South
Bloomington, MN 55420
Bloomington, MN 55420
Phone Number
(952) 208-6441
NCUA Charter Number
Website
Largest Competitors
Apple Valley, MN
Bloomington, MN
Bloomington, MN
Bloomington, MN
Bloomington, MN