PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Toro Employees

Bloomington, MN · Charter 21644

NCUA · 1 branch

Q2 2026

$41.5MAssets
$30.8MLoans
$34.9MShares
$6.0MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.34%, up 85 bps year over year; NIM at 4.24%.
  • Asset quality: problem loans at 0.56% of loans (-11 bps YoY).
  • Capital: net worth / assets of 14.46%, up 89 bps from a year ago.
  • Funding: loans stand at 88.00% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

1.34%+85 bps YoY

Net Interest Margin (quarter, annualized)

4.24%+46 bps YoY

Efficiency Ratio (quarter, annualized)

65.70%-1,339 bps YoY

Net Worth / Assets

14.46%+89 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.49%0.71%0.72%1.58%1.34%+85 bps
Return on Equity3.58%5.13%5.16%11.27%9.25%+566 bps
Net Interest Margin3.78%3.87%3.88%4.04%4.24%+46 bps
Efficiency Ratio79.09%73.01%72.13%64.10%65.70%-1,339 bps
Growth
Asset Growth (YoY)11.73%9.88%5.61%4.69%1.67%-1,006 bps
Loan Growth (YoY)-2.60%-0.08%0.32%3.01%7.54%+1,014 bps
Share Growth (YoY)12.97%10.19%5.32%4.22%-0.68%-1,364 bps
Asset Quality
Delinquent Loans / Loans0.67%0.61%0.87%0.64%0.56%-11 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital13.57%13.84%13.86%14.02%14.46%+89 bps
Net Worth / Assets13.57%13.84%13.86%14.02%14.46%+89 bps
Liquidity & Funding
Loans / Shares81.27%83.79%84.44%83.69%88.00%+672 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps