Side-by-side · Q2 2026 data
Two Harbors Federal Credit Union vs Northern Communities Credit Union
Credit union
Two Harbors Federal Credit Union
Two Harbors, Minnesota · $100 million – $1 billion
Credit union
Northern Communities Credit Union
Duluth, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | Two Harbors Federal Credit Union | Northern Communities Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 52 |
| Capital cushion | 94 (stronger) | 58 |
| Loan quality | 98 (stronger) | 36 |
| Earnings | 44 (stronger) | 42 |
| Funding & liquidity | 81 (stronger) | 67 |
| Problem-loan coverage | 99 (stronger) | 70 |
| Peer percentile | 86th | 8th |
| Total assets | $118.4M | $124.3M |
| Deposits / shares | $100.1M | $108.9M |
| Capital ratio | 14.35% (stronger) | 10.79% |
| Problem loans | 0.07% (stronger) | 1.92% |
| Net charge-offs | 0.16% (stronger) | 0.55% |
| Return on assets | 0.60% (stronger) | 0.56% |
| Loans ÷ deposits | 79.2% (stronger) | 93.0% |
| Uninsured deposits | 7.6% | 3.4% (stronger) |
| Offices | 2 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 1.8% | — |
Two Harbors Federal Credit Union has the higher TellerScore (84 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Two Harbors Federal Credit Union leads on 6 and Northern Communities Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.