TWO HARBORS Credit Union Profile

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TWO HARBORS

Charter #5721 | NCUA Region 3 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (218) 834-2266

Fax: (218) 834-2250

Founding Date: N/A

Website: http://www.thfcu.org

Personnel & Operations

President: Ruberg, Greg

Manager: Willert, Randy

FT Employees: 14

PT Employees: 2

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 00

Branches: 1

Hours: LOBBY MONDAY & FRIDAY 8:00 - 6:00

Credit Union Profile Summary

TWO HARBORS is a FCU Credit Union. With a total of 4,302 members [1], this institution manages approximately $116,009,777 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 13.99% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 1.77% [1].

Financial Snapshot

Total Assets [1]
$116,009,777

Total economic resources.

Total Loans [1]
$77,177,252

Total value of outstanding loans.

Total Deposits [1]
$98,742,631

Total funds deposited by members.

Members [1]
4,302

Number of active members.

Performance Ratios

Net Worth Ratio [1]
13.99%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.78%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
78.16%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
5.21%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
1.77%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
-0.81%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

801 11TH ST

TWO HARBORS, MN, 55616

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 1 branches reported by TWO HARBORS (Charter #5721).

Main Office

Main Office Main Office

Type: Corporate Office

801 11th St

Two Harbors, MN 55616

Phone: (218) 834-2266

Services: Member Services, ATM, Drive-Thru

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