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
- 4,276
- Membership Type
- Other/Unknown
CUScore Financial Grade
Based on Q1 2026 NCUA Call Report data
Under CUScore's rules, this institution reports a net worth ratio of at least 10% and a delinquency rate below 1%. This simplified grade is informational, is not an official NCUA rating, and does not determine regulatory or deposit-insurance status.
Financial Overview
Total Assets
Members
4,276 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | TWO HARBORS |
|---|---|
| Total Assets | $120.9M |
| Members | 4,276 |
| Loans Outstanding | $77.9M |
| Shares & Deposits | $103.0M |
| Net Worth | $16.8M |
| Net Worth Ratio | 13.92% |
| Loan-to-Share Ratio | 75.6% |
| Delinquency Rate | 0.14% |
| Net Income | +$190,204 |
Source: Q1 2026 NCUA Call Report • Reporting date: 3/31/2026
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.
Find More Credit Unions in Minnesota
Review the Q1 2026 statewide dataset, aggregate ratios, and institutions ranked by reported assets.
View Minnesota RankingsFrequently Asked Questions
TWO HARBORS is listed as federally insured in the Q1 2026 NCUA dataset. NCUA share insurance generally covers qualifying accounts up to the standard maximum amount, with coverage depending on account ownership categories. Verify current status and coverage for your accounts with the NCUA or the institution.
As of the Q1 2026 NCUA Call Report, TWO HARBORS has 4,276 members and a potential membership field of 30,000 people.
TWO HARBORS's reported net worth ratio is 13.92% as of Q1 2026. The NCUA's standard net worth ratio threshold for "well capitalized" is 7%, although official status can involve additional rules.
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 (Q1 2026). CUScore is an independent directory and is not affiliated with the NCUA or TWO HARBORS. All financial data is for informational purposes only.