Side-by-side · Q2 2026 data
Two Harbors Federal Credit Union vs North Shore Federal Credit Union
Credit union
Two Harbors Federal Credit Union
Two Harbors, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | Two Harbors Federal Credit Union | North Shore Federal Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 74 |
| Capital cushion | 94 (stronger) | 78 |
| Loan quality | 98 (stronger) | 89 |
| Earnings | 44 | 44 |
| Funding & liquidity | 81 (stronger) | 68 |
| Problem-loan coverage | 99 (stronger) | 96 |
| Peer percentile | 86th | 63rd |
| Total assets | $118.4M | $284.8M |
| Deposits / shares | $100.1M | $246.7M |
| Capital ratio | 14.35% (stronger) | 12.77% |
| Problem loans | 0.07% (stronger) | 0.33% |
| Net charge-offs | 0.16% | 0.06% (stronger) |
| Return on assets | 0.60% (stronger) | 0.59% |
| Loans ÷ deposits | 79.2% (stronger) | 91.9% |
| Uninsured deposits | 7.6% | 5.9% (stronger) |
| Offices | 2 | 8 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.8% | 10.3% |
Two Harbors Federal Credit Union has the higher TellerScore (84 vs 74). On the 7 directional measures above (where higher or lower is clearly better), Two Harbors Federal Credit Union leads on 5 and North Shore Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Two Harbors, MN