A
Two Harbors Federal Credit Union
Rating Date
December 2025
Net Capital
Ratio
Leverage
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Return On
Assets
Total
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Capital
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Weiss Ratings Two Harbors Federal Credit Union
Two Harbors, MN
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Rating A
Asset Quality Index 10.00
Capitalization Index 10.00
Liquidity Index 4.40
Profitability Index 3.70
Stability Index 9.20
Company Info Two Harbors Federal Credit Union
Two Harbors, MN
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NCUA Charter Number 1354
Phone Number (218) 834-2266
Website www.thfcu.org
Asset Quality Two Harbors Federal Credit Union
Two Harbors, MN
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1-Year Asset Growth 5.01%
5-Year Asset Growth 5.73%
5-Year Charge-Offs to Average Loans 0.03%
Charge-Offs to Average Loans 0.15%
Non-Performing Assets to Assets 0.14%
Non-Performing Loans to Capital 0.92%
Non-Performing Loans to Loans 0.14%
Balance Sheet Two Harbors Federal Credit Union
Two Harbors, MN
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Total Assets 116.61M
Total Deposits 99.34M
Capital and Reserves Two Harbors Federal Credit Union
Two Harbors, MN
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Capital 16.38M
Leverage Ratio 14.06
Loan Loss Reserves to Loans 0.46%
Liquidity Two Harbors Federal Credit Union
Two Harbors, MN
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Hot Money Ratio 16.11%
Liquidity Ratio 25.83%
Profitability Two Harbors Federal Credit Union
Two Harbors, MN
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5-Year Return on Average Assets 0.64%
Net Income 601.00K
Net Interest Spread 3.59%
Operating Profit to Average Assets 0.97%
Overhead Efficiency Ratio 73.04%
Return on Assets 0.70%
Return on Equity 4.97%