BlastPoint's Credit Union Scorecard

TWO HARBORS

Charter #5721 · MN

1069 CUs in 100M-500M nationally 31 in MN

TWO HARBORS has 4 strengths but faces 4 concerns

National Analysis

How does the industry compare?

MN Analysis

How does MN stack up?

Key Strengths

Areas where this CU excels compared to peers

+ Relationship Depth Leader: Top 36.7% in tier
+ Wallet Share Momentum: Top 75.8% in tier
+ Loan-to-Member Ratio (LMR): Top 4.9% in tier
+ Average Member Relationship (AMR): Top 5.1% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 71.6% in tier
- Credit Risk Growth: Bottom 71.7% in tier
- ROA 0.03% below tier average
- Total Members: Bottom 1.9% in tier

Core Metrics

As of 2025-Q4

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	4,301 -0.4% YoY-0.2% QoQ	-11.1K	15,437 -2.9% YoY	26,823 +5.6% YoY	33,374 +5.7% YoY	Bottom 1.8% in tier
Assets	$117.4M +6.1% YoY+0.6% QoQ	$-114.5M	$231.9M +1.3% YoY	$530.2M +9.2% YoY	$561.6M +9.7% YoY	Bottom 11.6% in tier
Loans	$80.2M +5.2% YoY+9.3% QoQ	$-67.1M	$147.3M -0.1% YoY	$377.5M +9.0% YoY	$397.0M +8.8% YoY	22%
Deposits	$100.0M +6.4% YoY+0.6% QoQ	$-100.8M	$200.8M +0.8% YoY	$437.6M +9.7% YoY	$477.3M +9.7% YoY	Bottom 10.4% in tier

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.7% -18.3% YoY+6.3% QoQ	-0.0%	0.8% +18.2% YoY	1.0% -42.4% YoY	0.7% +15.9% YoY	48%
NIM	2.9% +1.4% YoY-1.3% QoQ	-0.7%	3.6% +6.7% YoY	3.7% +8.9% YoY	3.8% +5.1% YoY	Bottom 13.6% in tier
Efficiency Ratio	74.0% +1.8% YoY+1.3% QoQ	-3.0%	77.0% -3.1% YoY	75.5% -2.5% YoY	79.7% -3.3% YoY	36%
Delinquency Rate	0.3% +55.3% YoY+119.6% QoQ	-0.6	0.9% +4.2% YoY	0.9% +7.2% YoY	1.3% -2.1% YoY	16%
Loan To Share	80.3% -1.1% YoY+8.6% QoQ	+8.0%	72.2% -1.1% YoY	75.7% -1.2% YoY	67.4% -1.7% YoY	65%
AMR	$41,898 +6.3% YoY+4.5% QoQ	+$17K	$24,676 +3.4% YoY	$23,721 +5.3% YoY	$19,687 +2.0% YoY	Top 5.2% in tier
CD Concentration	30.0% +8.9% YoY+5.7% QoQ	+5.6%	24.4%	22.0%	19.8%	50%
Indirect Auto %	0.0% -76.1% YoY-28.6% QoQ	-13.8%	13.8%	6.5%	7.8%	50%

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth

#99 of 268 • Top 36.7% in tier

Top-tier average member relationship within peer group, with stable or growing engagement. Strong wallet share positioning.

Why This Signature

AMR Growth (YoY): 6.32%

(Tier: 4.17%, National: 4.00%)

better than tier avg

Share Draft per Member: $3.7K

(Tier: $2.9K, National: $2.0K)

better than tier avg

268 of 1069 Mid-Small & Community CUs have this signature | 351 nationally

↑ Growing +46 CUs YoY | Rank improving

Wallet Share Momentum

growth

#389 of 513 • Top 75.8% in tier

Average member relationship growing 5%+ year-over-year. Members are significantly deepening their engagement.

Why This Signature

AMR Growth (YoY): 6.32%

(Tier: 4.17%, National: 4.00%)

better than tier avg

513 of 1069 Mid-Small & Community CUs have this signature | 662 nationally

↑ Growing +180 CUs YoY | New qualifier

Concerns (2)

Credit Quality Pressure

risk

#505 of 705 • Bottom 71.6% in tier

Delinquencies are rising year-over-year. Credit risk is building - they may need better underwriting tools.

Why This Signature

Delinquency Change (YoY): 0.11% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

705 of 1069 Mid-Small & Community CUs have this signature | 969 nationally

↓ Shrinking -150 CUs YoY | New qualifier

Credit Risk Growth

risk

#327 of 456 • Bottom 71.7% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

Why This Signature

Loan Growth (YoY): 5.22%

(Tier: 4.11%, National: 111.96%)

but better than tier avg

Delinquency Change (YoY): 0.11% points

(Tier: 0.03% points, National: 0.06% points)

worse than tier avg

456 of 1069 Mid-Small & Community CUs have this signature | 665 nationally

→ No prior data (456 CUs now) | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 1069 peers in tier

Top Strengths (5 metrics)

Loan-to-Member Ratio (LMR)

engagement

Value: $18,656

Peer Median: -

#53 of 1069 Top 4.9% in 100M-500M tier

Average Member Relationship (AMR)

engagement

Value: $41,898

Peer Median: -

#56 of 1069 Top 5.1% in 100M-500M tier

169

Total Delinquency Rate (60+ days)

risk

Value: 0.30%

Peer Median: -

#169 of 1069 Top 15.7% in 100M-500M tier

173

Net Charge-Off Rate

risk

Value: 0.12%

Peer Median: -

#173 of 1069 Top 16.1% in 100M-500M tier

216

Net Worth Ratio

risk

Value: 14.18%

Peer Median: -

#216 of 1069 Top 20.1% in 100M-500M tier

Top Weaknesses (5 metrics)

1050

Total Members

engagement

Value: 4,301

Peer Median: -

#1050 of 1069 Bottom 1.9% in 100M-500M tier

958

Total Deposits

balance_sheet

Value: $99.96M

Peer Median: -

#958 of 1069 Bottom 10.5% in 100M-500M tier

945

Total Assets

balance_sheet

Value: $117.37M

Peer Median: -

#945 of 1069 Bottom 11.7% in 100M-500M tier

924

Net Interest Margin (NIM)

profitability

Value: 2.88%

Peer Median: -

#924 of 1069 Bottom 13.7% in 100M-500M tier

828

Total Loans

balance_sheet

Value: $80.24M

Peer Median: -

#828 of 1069 Bottom 22.6% in 100M-500M tier