Two Harbors, Minnesota · Peer group 5
Two Harbors Credit Union
Two Harbors Credit Union holds $120.9M in assets across 4,276 members as of Q1 2026 — about $28K of assets per member, on a charter dating to 1948. Charter number 5721, in the $100M-$500M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $120.9M |
|---|---|
| Total loans | $77.9M |
| Total shares (deposits) | $103.0M |
| Net worth | $16.8M |
| Members | 4,276 |
| Assets per member | $28K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 7.1% | |
|---|---|---|
| Loans | 5.7% | around the 67th percentile of its peer group |
| Deposits | 7.0% | around the 80th percentile of its peer group |
| Members | -0.7% | around the 45th percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 75.6% | around the 57th percentile of its peer group |
|---|---|---|
| Net worth ratio | 13.9% | around the 79th percentile of its peer group |
| Return on assets | 0.63% | around the 44th percentile of its peer group |
| Delinquency ratio | 0.14% | lower than 90% of its peer group |
| Cash / assets | 12.8% | around the 68th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 40th percentile of its peer group |
What this page does not show
Everything above is Two Harbors Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Minnesota — the comparison set a peer ratio is measured against.
- Crow Wing Power Credit Union
Brainerd, MN
$123.2M · 4,569 members
- Brainerd B. N. Credit Union
Brainerd, MN
$124.4M · 6,689 members
- Northern Communities Credit Union
DULUTH, MN
$126.8M · 6,869 members
- North Star Credit Union
COOK, MN
$112.7M · 6,076 members
- Hibbing Cooperative Credit Union
Hibbing, MN
$110.8M · 8,057 members
- Northridge Community Credit Union
Virginia, MN
$109.6M · 7,962 members
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