Toro Employees Federal Credit Union
Major Rating Factors:
Operating profits as a percentage of assets at 1.0%, coupled with a return on assets of 1.0 has resulted in Fair (4.2) profitability. A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Good overall stability index (6.2 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 13.6 and a net worth ratio of 14.0. A current level of 2.1 percent of nonperforming loans to core capital combined with 1.6 percent from a year earlier contributes to the Excellent asset quality (10.0).
Asset Mix:
Consumer loans (35%), home mtgs (17%), securities (6%), other (41%)
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
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