Side-by-side · Q2 2026 data
Two Harbors Federal Credit Union vs Hibbing Cooperative
Credit union
Two Harbors Federal Credit Union
Two Harbors, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | Two Harbors Federal Credit Union | Hibbing Cooperative |
|---|---|---|
| TellerScore | 84 | 92 (stronger) |
| Capital cushion | 94 | 100 (stronger) |
| Loan quality | 98 (stronger) | 70 |
| Earnings | 44 | 100 (stronger) |
| Funding & liquidity | 81 | 100 (stronger) |
| Problem-loan coverage | 99 (stronger) | 97 |
| Peer percentile | 86th | 97th |
| Total assets | $118.4M | $108.9M |
| Deposits / shares | $100.1M | $88.3M |
| Capital ratio | 14.35% | 19.08% (stronger) |
| Problem loans | 0.07% (stronger) | 0.90% |
| Net charge-offs | 0.16% | 0.08% (stronger) |
| Return on assets | 0.60% | 2.07% (stronger) |
| Loans ÷ deposits | 79.2% | 37.1% (stronger) |
| Uninsured deposits | 7.6% | 1.6% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.8% | — |
Hibbing Cooperative has the higher TellerScore (92 vs 84). On the 7 directional measures above (where higher or lower is clearly better), Two Harbors Federal Credit Union leads on 1 and Hibbing Cooperative on 6. Deposits are insured up to $250,000 per depositor, per ownership category, at both.