Two Harbors Federal Credit Union
Major Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 14.1 and a net worth ratio of 14.1. A current level of 0.9 percent of nonperforming loans to core capital contributes to the Excellent asset quality (10.0).
Other Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to an Excellent overall stability index (9.2 on a scale of 0 to 10). Fair liquidity 4.4, driven by a liquidity ratio of 25.8 percent and a “hot money” ratio of 16.1 percent.
Asset Mix:
Home mtgs (28%), consumer loans (24%), securities (1%), comm loans (0%), other (47%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
801 11th Street
Two Harbors, MN 55616
Two Harbors, MN 55616
Phone Number
(218) 834-2266
NCUA Charter Number
Website
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