Federal credit union · TWO HARBORS, Minnesota · NCUA charter #5721
Two Harbors
Health score 93/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $117.4M
- Total assets
- 4,301
- Members
- 13.1%
- Net-worth ratio
Two Harbors - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #5721 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Two Harbors - Five Health Pillars
Each bar is the credit union's 0-100 sub-score on one pillar of the composite. The weighted sum of these five sub-scores is the headline health score above, same NCUA 5300 figures, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)100
- Earnings (ROA)100
- Member growth55
- Liquidity (loan-to-share)100
Weighted composite: 93/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 13.10%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 13.10% | 30% |
| Delinquency Rate | 0.30% | 25% |
| Return on Assets | 0.85% | 15% |
| Member Growth | -0.42% | 15% |
| Loan-to-Share Ratio | 80.27% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $100M–$500M (1069 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $117.4M | 4,301 |
| 2024Q4 | $110.6M | 4,319 |
| 2023Q4 | $108.2M | 4,350 |
Credit Union Details
- Charter Number
- 5721
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $100M–$500M
- State
- Minnesota
- City
- TWO HARBORS
- Data Quarter
- 2025Q4
What This Data Says About Two Harbors
4,301 members and $117.4M in total assets sit behind Two Harbors, a federal credit union in TWO HARBORS, Minnesota, which posts a health score of 93/100 (Excellent) on the five-factor composite, with $80.2M in outstanding loans as of Q4 2025 and a net worth ratio of 13.10% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #5721 in peer group $100M–$500M, a cohort of 1069 similarly-sized institutions.
0.30% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $100M–$500M credit unions sits at 0.894%, so this institution is running tighter than peers. Deposit deployment is captured by the 80.27% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.85% on net income of $992K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -0.42%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Minnesota
Other federally-insured credit unions in Minnesota, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Two Harbors financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Two Harbors carries a financial health score of 93/100 (Excellent). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 13.10% net worth ratio and a 0.30% delinquency rate.
How does Two Harbors compare to other credit unions?
On PlainCU's health composite, Two Harbors lands at 93/100, compared to a peer group average for $100M–$500M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Two Harbors?
Two Harbors operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Two Harbors directly for the exact boundaries and application steps.
Is my money safe at Two Harbors?
Federal credit unions like Two Harbors are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Two Harbors's net worth ratio of 13.10% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Two Harbors offer compared to banks?
Credit unions like Two Harbors are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Two Harbors directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.