Side-by-side · Q2 2026 data
Two Harbors Federal Credit Union vs North Star 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 Star Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 72 |
| Capital cushion | 94 (stronger) | 44 |
| Loan quality | 98 | 100 (stronger) |
| Earnings | 44 | 62 (stronger) |
| Funding & liquidity | 81 (stronger) | 74 |
| Problem-loan coverage | 99 | 100 (stronger) |
| Peer percentile | 86th | 57th |
| Total assets | $118.4M | $116.0M |
| Deposits / shares | $100.1M | $104.3M |
| Capital ratio | 14.35% (stronger) | 9.38% |
| Problem loans | 0.07% | 0.00% (stronger) |
| Net charge-offs | 0.16% | 0.01% (stronger) |
| Return on assets | 0.60% | 1.06% (stronger) |
| Loans ÷ deposits | 79.2% (stronger) | 86.4% |
| Uninsured deposits | 7.6% | 7.1% (stronger) |
| Offices | 2 | 5 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.8% | 7.7% |
Two Harbors Federal Credit Union has the higher TellerScore (84 vs 72). On the 7 directional measures above (where higher or lower is clearly better), Two Harbors Federal Credit Union leads on 3 and North Star Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.