Side-by-side · Q2 2026 data
Park State Bank vs Two Harbors Federal Credit Union
Credit union
Two Harbors Federal Credit Union
Two Harbors, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | Park State Bank | Two Harbors Federal Credit Union |
|---|---|---|
| TellerScore | 66 | 84 (stronger) |
| Capital cushion | 49 | 94 (stronger) |
| Loan quality | 69 | 98 (stronger) |
| Earnings | 72 (stronger) | 44 |
| Funding & liquidity | 73 | 81 (stronger) |
| Problem-loan coverage | 89 | 99 (stronger) |
| Peer percentile | 40th | 86th |
| Total assets | $1.5B | $118.4M |
| Deposits / shares | $1.2B | $100.1M |
| Capital ratio | 9.89% | 14.35% (stronger) |
| Problem loans | 0.92% | 0.07% (stronger) |
| Net charge-offs | 0.55% | 0.16% (stronger) |
| Return on assets | 1.30% (stronger) | 0.60% |
| Loans ÷ deposits | 74.1% (stronger) | 79.2% |
| Uninsured deposits | 26.5% | 7.6% (stronger) |
| Offices | 14 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 12.5% | 1.8% |
Two Harbors Federal Credit Union has the higher TellerScore (84 vs 66). On the 7 directional measures above (where higher or lower is clearly better), Park State Bank leads on 2 and Two Harbors Federal Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Two Harbors, MN