Side-by-side · Q2 2026 data
Two Harbors Federal Credit Union vs Northridge Community Credit Union
Credit union
Two Harbors Federal Credit Union
Two Harbors, Minnesota · $100 million – $1 billion
Credit union
Northridge Community Credit Union
Virginia, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | Two Harbors Federal Credit Union | Northridge Community Credit Union |
|---|---|---|
| TellerScore | 84 (stronger) | 65 |
| Capital cushion | 94 | 100 (stronger) |
| Loan quality | 98 (stronger) | 0 |
| Earnings | 44 | 100 (stronger) |
| Funding & liquidity | 81 (stronger) | 66 |
| Problem-loan coverage | 99 (stronger) | 53 |
| Peer percentile | 86th | 34th |
| Total assets | $118.4M | $113.0M |
| Deposits / shares | $100.1M | $94.3M |
| Capital ratio | 14.35% | 15.60% (stronger) |
| Problem loans | 0.07% (stronger) | 4.18% |
| Net charge-offs | 0.16% (stronger) | 0.93% |
| Return on assets | 0.60% | 2.05% (stronger) |
| Loans ÷ deposits | 79.2% (stronger) | 94.6% |
| Uninsured deposits | 7.6% | 0.2% (stronger) |
| Offices | 2 | 5 |
| 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 65). On the 7 directional measures above (where higher or lower is clearly better), Two Harbors Federal Credit Union leads on 4 and Northridge Community Credit Union on 3. Deposits are insured up to $250,000 per depositor, per ownership category, at both.