The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

The score has been essentially flat from Q2 2025 to Q2 2026 (83 → 84).

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size credit unions in Minnesota

Yes. Two Harbors Federal Credit Union is a federally insured credit union (NCUA charter #5721). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 7.6% of shares and deposits ($7.6M) are above the $250,000 NCUA insurance limit, close to the peer median of 6%. Insured balances are protected regardless of the score.

The net worth ratio is 14.35%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

Two Harbors Federal Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

• Frisco, TX (1)
• Two Harbors, MN (1)

All branch addresses and map

In 2025, Two Harbors Federal Credit Union reported 57 home-loan applications under HMDA (LEI 254900HBR13MJYNT3634): 55 originated ($5,015,000 total), 1 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.8%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Two Harbors Federal Credit Union

Type

Federal credit union

NCUA charter #

5721

RSSD ID

1868850

Primary regulator

NCUA

Established

1948

Headquarters

801 11th St, Two Harbors, MN 55616

Employees

17