TWO HARBORS
Federal • TWO HARBORS, Minnesota • Est. 1948
Quick Facts
- Charter Number
- #5721
- Type
- Federal
- Established
- 1948
- Headquarters
- TWO HARBORS, Minnesota 55616
- Address
- 801 11TH ST
- Branches
- 2
- ATMs
- 1
- Members
- 4,301
- Membership Type
- Other/Unknown
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
Exceptionally well-capitalized with outstanding net worth ratio, very low delinquency, and strong earnings. One of the most financially sound credit unions in the country.
Financial Overview
Total Assets
Members
4,301 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | TWO HARBORS |
|---|---|
| Total Assets | $117.4M |
| Members | 4,301 |
| Loans Outstanding | $80.2M |
| Shares & Deposits | $100.0M |
| Net Worth | $16.6M |
| Net Worth Ratio | 14.18% |
| Loan-to-Share Ratio | 80.3% |
| Delinquency Rate | 0.30% |
| Net Income | +$1,057,976 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
2 locations · 1 ATMs
Main Office
Main Office801 11th St
Two Harbors, MN 55616
Fiserv
2601 Network Blvd Ste 600
Frisco, TX 75034-1919
Who Can Join TWO HARBORS?
Membership Type: Other/Unknown
Membership eligibility for TWO HARBORS may vary. Contact the credit union directly to confirm qualification requirements.
Contact TWO HARBORS directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Minnesota RankingsFrequently Asked Questions
Yes. TWO HARBORS is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, TWO HARBORS has 4,301 members and a potential membership field of 30,000 people.
TWO HARBORS's net worth ratio is 14.18% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 14.2%, TWO HARBORS meets this threshold.
TWO HARBORS operates 2 branch locations and has access to 1 ATMs. The main office is located at 801 11th St, Two Harbors, MN 55616.
TWO HARBORS was established in 1948. It is a federal credit union chartered under charter number 5721. The institution has been serving members for 78 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or TWO HARBORS. All financial data is for informational purposes only.