Credit union · NCUA insured
Toro FCU
A $42M credit union headquartered in Bloomington, MN, with 2,905 members and 1 branch in Minnesota. Best rates: CDs 4.10% and savings 1.50% APY.
Toro FCU Carrot Score
86
Carrot Score
Higher than 72% of U.S. banks and credit unions
#22 of 97 in Minneapolis, MN-WI metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Toro FCU
- Headquarters
- 8111 Lyndale Ave S, Bloomington, MN 55420
- NCUA charter
- 21644
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Employees of The Toro Company who live in the United States are eligible to join Toro Credit Union.
Family and household
- Immediate family members of eligible The Toro Company employees—including spouses, children, stepchildren, parents, grandparents, grandchildren, brothers, and sisters—are eligible to join Toro Credit Union.
Branches
1 branch in Minnesota
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Minnesota
1 branch
- Toro Employees Federal Credit UnionMain office8111 Lyndale Ave S, Bloomington, MN 55420Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 14.46% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 0.56% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | 1.34% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $88 | $59 | — |
- CapitalNet worth ratio14.46%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late0.56%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets1.34%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$88Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Toro FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.