Side-by-side · Q2 2026 data
Wells Fargo Bank, National Association vs Two Harbors Federal Credit Union
Credit union
Two Harbors Federal Credit Union
Two Harbors, Minnesota · $100 million – $1 billion
Metric by metric
| Measure | Wells Fargo Bank, National Association | Two Harbors Federal Credit Union |
|---|---|---|
| TellerScore | 58 | 84 (stronger) |
| Capital cushion | 30 | 94 (stronger) |
| Loan quality | 65 | 98 (stronger) |
| Earnings | 75 (stronger) | 44 |
| Funding & liquidity | 58 | 81 (stronger) |
| Problem-loan coverage | 88 | 99 (stronger) |
| Peer percentile | 21st | 86th |
| Total assets | $1.9T | $118.4M |
| Deposits / shares | $1.6T | $100.1M |
| Capital ratio | 8.02% | 14.35% (stronger) |
| Problem loans | 1.04% | 0.07% (stronger) |
| Net charge-offs | 0.40% | 0.16% (stronger) |
| Return on assets | 1.38% (stronger) | 0.60% |
| Loans ÷ deposits | 62.9% (stronger) | 79.2% |
| Uninsured deposits | 50.3% | 7.6% (stronger) |
| Offices | 4,086 | 2 |
| CFPB complaints (3 yrs) | 55,423 | — |
| Complaints per $1B deposits | 35.4 | — |
| Mortgage denial rate (HMDA) | 22.2% | 1.8% |
Two Harbors Federal Credit Union has the higher TellerScore (84 vs 58). On the 7 directional measures above (where higher or lower is clearly better), Wells Fargo Bank, National Association leads on 2 and Two Harbors Federal Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Frisco, TX
- Two Harbors, MN