credit union · NCUA 5721 · MN
How big is TWO HARBORS?
TWO HARBORS (MN, NCUA charter 5721) reported total assets of $118.4M, 4,266 members and a net worth ratio of 14.35% in its Call Report for 2026Q2. That ranks 1697 of 4,299 federally insured credit unions by assets, 938 of 1,061 among credit unions with $100m-$500m in assets, 40 of 80 credit unions in minnesota.
What stands out
TWO HARBORS (MN, NCUA charter 5721) reported total assets of $118.4M, 4,266 members and a net worth ratio of 14.35% in its Call Report for 2026Q2. That ranks 1697 of 4,299 federally insured credit unions by assets, 938 of 1,061 among credit unions with $100m-$500m in assets, 40 of 80 credit unions in minnesota. Against its size class: net worth ratio 14.35%, above the peer median of 11.65%; loan-to-share ratio 79.25%, above the peer median of 73.15%; return on assets 0.60%, below the peer median of 0.74%. At 14.35% its net worth ratio is above the 7% NCUA threshold, which puts it in the "well capitalised" band of prompt corrective action; the regulator applies further tests, this page does not.
Key figures, 2026Q2
As filed with the NCUA; ratios computed by FACTANKER. Peer medians are percentile_cont over the group in the same quarter.
| Measure | 2026Q2 | Median, size class | Median, state | Median, all | Evidence |
|---|---|---|---|---|---|
| Total assets | $118.4M | $198.1M | $117.2M | $68.3M | record → |
| Shares and deposits | $100.1M | $172.3M | $102.2M | $58.3M | record → |
| Loans outstanding | $79.3M | $125.2M | $84.3M | $34.4M | record → |
| Net income (year to date) | $354.2k | $766.3k | $350.3k | $222.2k | record → |
| Net worth | $17.0M | $24.5M | $13.1M | $9.0M | record → |
| Net worth ratio | 14.35% | 11.65% | 12.56% | 12.65% | record → |
| Loan-to-share ratio | 79.25% | 73.15% | 77.94% | 68.70% | computed |
| Return on assets | 0.60% | 0.74% | 0.86% | 0.71% | computed |
| Members | 4,266 | 13,230 | 5,954 | 4,818 | record → |
Quarter by quarter
45 Call Reports on record, 2015Q2–2026Q2; the 40 most recent shown.
| Quarter | Total assets | Shares | Loans | Net income YTD | Net worth ratio | Members | Rank |
|---|---|---|---|---|---|---|---|
| 2026Q2 | $118.4M | $100.1M | $79.3M | $354.2k | 14.35% | 4,266 | 1697 |
| 2026Q1 | $120.9M | $103.0M | $77.9M | $190.2k | 13.92% | 4,276 | 1680 |
| 2025Q4 | $117.4M | $100.0M | $80.2M | $856.1k | 14.18% | 4,301 | 1694 |
| 2025Q3 | $116.6M | $99.3M | $73.4M | $600.5k | 14.06% | 4,308 | 1701 |
| 2025Q2 | $116.0M | $98.7M | $77.2M | $441.0k | 13.99% | 4,302 | 1704 |
| 2025Q1 | $113.0M | $96.2M | $73.7M | $257.8k | 14.21% | 4,305 | 1730 |
| 2024Q4 | $110.6M | $93.9M | $76.3M | $992.4k | 14.29% | 4,319 | 1730 |
| 2024Q3 | $111.0M | $94.5M | $73.7M | $812.1k | 14.07% | 4,320 | 1720 |
| 2024Q2 | $110.3M | $94.1M | $75.8M | $539.6k | 13.92% | 4,337 | 1731 |
| 2024Q1 | $111.6M | $95.9M | $72.0M | $272.5k | 13.52% | 4,337 | 1731 |
| 2023Q4 | $108.2M | $92.6M | $74.5M | $804.2k | 13.69% | 4,350 | 1750 |
| 2023Q3 | $107.1M | $91.8M | $74.6M | $643.7k | 13.69% | 4,438 | 1760 |
| 2023Q2 | $103.8M | $88.7M | $72.9M | $410.9k | 13.90% | 4,423 | 1783 |
| 2023Q1 | $105.0M | $90.0M | $67.9M | $191.0k | 13.53% | 4,436 | 1783 |
| 2022Q4 | $104.8M | $90.2M | $69.6M | $520.7k | 13.37% | 4,429 | 1778 |
| 2022Q3 | $107.1M | $92.6M | $67.0M | $362.6k | 12.94% | 4,437 | 1769 |
| 2022Q2 | $106.8M | $92.7M | $64.3M | $189.1k | 12.81% | 4,458 | 1777 |
| 2022Q1 | $105.4M | $91.3M | $62.8M | $106.8k | 12.91% | 4,443 | 1790 |
| 2021Q4 | $105.0M | $90.9M | $63.7M | $551.4k | 12.85% | 4,452 | 1777 |
| 2021Q3 | $105.2M | $91.3M | $60.9M | $547.8k | 12.82% | 4,479 | 1769 |
| 2021Q2 | $98.7M | $85.1M | $57.4M | $291.5k | 13.40% | 4,455 | 1813 |
| 2021Q1 | $96.5M | $82.9M | $56.1M | $92.1k | 13.51% | 4,454 | 1833 |
| 2020Q4 | $92.2M | $78.8M | $57.4M | $439.3k | 14.04% | 4,449 | 1823 |
| 2020Q3 | $89.9M | $75.4M | $54.5M | $337.8k | 14.28% | 4,468 | 1831 |
| 2020Q2 | $89.3M | $75.0M | $54.8M | $236.6k | 14.26% | 4,476 | 1819 |
| 2020Q1 | $84.0M | $70.8M | $54.7M | $145.0k | 15.05% | 4,500 | 1814 |
| 2019Q4 | $83.7M | $70.5M | $54.0M | $569.3k | 14.93% | 4,517 | 1794 |
| 2019Q3 | $80.8M | $67.8M | $52.8M | $449.4k | 15.33% | 4,493 | 1828 |
| 2019Q2 | $79.6M | $67.0M | $52.9M | $277.7k | 15.34% | 4,470 | 1852 |
| 2019Q1 | $79.6M | $67.0M | $51.6M | $140.1k | 15.16% | 4,474 | 1849 |
| 2018Q4 | $77.9M | $65.4M | $51.8M | $431.3k | 15.32% | 4,501 | 1850 |
| 2018Q3 | $76.9M | $64.7M | $51.0M | $315.8k | 15.36% | 4,508 | 1865 |
| 2018Q2 | $76.0M | $63.9M | $49.9M | $190.5k | 15.38% | 4,502 | 1895 |
| 2018Q1 | $74.9M | $62.8M | $48.0M | $91.3k | 15.48% | 4,483 | 1908 |
| 2017Q4 | $72.7M | $60.6M | $47.7M | $254.1k | 15.83% | 4,500 | 1922 |
| 2017Q3 | $72.9M | $61.0M | $47.8M | $206.2k | 15.70% | 4,555 | 1924 |
| 2017Q2 | $71.6M | $59.8M | $47.3M | $140.2k | 15.90% | 4,620 | 1958 |
| 2017Q1 | $72.7M | $60.9M | $46.5M | $98.1k | 15.60% | 4,681 | 1951 |
| 2016Q4 | $72.2M | $60.5M | $47.2M | $315.2k | 15.58% | 5,026 | 1924 |
| 2016Q3 | $72.0M | $60.5M | $47.3M | $450.7k | 15.81% | 5,046 | 1918 |
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