Two Harbors

TWO HARBORS, MN · 1 · Charter #5721 · www.thfcu.org
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$117.4M
56th percentile
Members
4,301
17th percentile
Total loans
$80.2M
65th percentile
Total shares
$100.0M
56th percentile

Profitability

Return on assets
0.90%
41th percentile
Net interest margin
2.87%
13th percentile
Efficiency ratio
51.88%
80th percentile
Non-interest income ratio
12.17%
26th percentile

Capital & Risk

Net worth ratio
14.18%
71th percentile
Delinquency rate
0.30%
80th percentile
Net charge-off rate
0.12%
81th percentile
Loan-to-share
80.27%
71th percentile

Growth

Member growth YoY
-0.42%
52th percentile
Asset growth YoY
6.14%
69th percentile
Loan growth YoY
5.22%
73th percentile
Share growth YoY
6.40%
74th percentile

Operations

Members / branch
2,151
25th percentile
Assets / member
$27,288
95th percentile
Field of membership penetration
14.34%
65th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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