Federal credit union · TWO HARBORS, Minnesota · NCUA charter #5721
Two Harbors
Health score 93/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 93
- Health / 100
- $117.4M
- Total assets
- 4,301
- Members
- 13.9%
- Net-worth ratio
Two Harbors scores 93/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $117.4M; members 4,301; net-worth ratio 13.92%; health rank #607 of 4,374; healthier than 84th of scored peers.
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#607 of 4,374 health · 2025Q4Two Harbors · health 93/100 · $117.4M · 2025Q4
Call Report peers
Two Harbors in the assets neighbourhood
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Two Harbors vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Two Harbors sits in 90-94 with 747 others.
93 Top 16% higher than 84% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Two Harbors: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 80.27% vs peer 72.20% (+8.07 pp).
Where Two Harbors sits in Minnesota
- Minnesota health ordinal: #17 of 82.
- Assets rank #40 of 82 inside Minnesota ($117.4M reported).
- Membership ranks #50 of 82 among Minnesota CUs with a reported count (4,301 members).
- One place up in Minnesota, Mayo Employees (#16) ties at 93/100; one place down, Red Wing (#18) ties at 93/100.
Two Harbors Call Report trajectory
Two Harbors: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +3.0% from $117.4M (2025Q4) to $120.9M (2026Q1).
- Net-worth ratio shifted -0.26 pp (14.18% → 13.92%).
At 13.92%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 93/100 score is built
Two Harbors gives up 7 points in total. Member Growth costs the most, 6.8 of its 15; Net Worth Ratio and Delinquency Rate and Return on Assets and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 15.0 pts
- Member Growth 8.2 pts
- Loan-to-Share Ratio 14.8 pts
Call Report ratios for Two Harbors
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 13.92% | +1.81 pp |
| Delinquency Rate | 0.30% | -0.59 pp |
| Return on Assets | 0.85% | +0.22 pp |
| Member Growth | -0.42% | - |
| Loan-to-Share Ratio | 80.27% | +8.07 pp |
Peer averages: $100M–$500M cohort, 1069 credit unions, 2025Q4 filing.
Two Harbors quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $120.9M | - |
| 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
Branch Locations (2)
Two Harbors operates 2 offices across 2 cities, spanning 2 states, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Main Office (Main Office) | Two Harbors, MN |
| Fiserv | Frisco, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Minnesota
Other federally-insured credit unions in Minnesota, closest first by peer group and asset size.
Other-state peers near Two Harbors
Similar total assets
Using this data
- Two Harbors ranks #607 of 4,374 nationally on financial health and #17 of 82 in MN -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Crow Wing Power is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Crow Wing Power
Frequently Asked Questions
Is Two Harbors financially healthy?
Two Harbors has a financial health score of 93/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #607 of 4,374 nationally on health and #17 of 82 in Minnesota. Its net worth ratio is 13.92% and its delinquency rate 0.30%.
How does Two Harbors compare to other credit unions?
Two Harbors scores 93/100, higher than 84% of the 4,374 scored credit unions. Against the 1069 peers in the $100M–$500M cohort, its widest edge is loan-to-share ratio (80.27% vs 72.20%).
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?
Two Harbors is a federal credit union; its shares are federally 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 13.92% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.