Two Harbors
Two Harbors is a credit union based in Two Harbors, Minnesota, established in 1948, with $121 million in total assets serving 4,276 members. By Trust Grade it ranks 29th of 81 credit unions we track in Minnesota. Its net worth ratio of 13.9% is stronger than 80% of similarly sized credit unions, versus a Minnesota median of 12.2%. It was profitable over the most recent period, with a 0.63% return on assets. No consumer complaints against Two Harbors appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Two Harbors compares to Minnesota peers
How we graded Two Harbors
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (13.9% capital ratio)
- Profitable (ROA 0.63%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Two Harbors over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Two Harbors insured?
Yes. Two Harbors is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Two Harbors: frequently asked questions
Is Two Harbors a good credit union?
Two Harbors earns a Bankzia Trust Grade of A (95/100, "Excellent"), based on a financial-strength score of 95/100 (it has no CFPB complaints on record). Strongly capitalized (13.9% capital ratio); Profitable (ROA 0.63%).
Is Two Harbors NCUA-insured?
Yes. Two Harbors is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Two Harbors?
Two Harbors holds $121 million in total assets, ranking 29th of 81 credit unions we track in Minnesota. It serves 4,276 members.
Does Two Harbors have CFPB complaints?
No CFPB complaints against Two Harbors appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
