BlastPoint's Credit Union Scorecard

TWO HARBORS

Charter #5721 · MN

1077 CUs in 100M-500M nationally 31 in MN

TWO HARBORS has 5 strengths but faces 3 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

+ Credit Quality Leader: Top 25.7% in tier
+ Relationship Depth Leader: Top 72.3% in tier
+ Average Member Relationship (AMR): Top 5.6% in tier
+ Loan-to-Member Ratio (LMR): Top 6.1% in tier
+ Total Delinquency Rate (60+ days): Top 7.2% in tier

Key Concerns

Areas that may need attention

- Credit Quality Pressure: Bottom 27.5% in tier
- ROA 0.10% below tier average
- Total Members: Bottom 1.8% in tier

Core Metrics

As of 2025-Q3

Metric	Current	vs Tier	Tier Avg	State Avg (MN)	National Avg	Tier Percentile
Members	4,308 -0.3% YoY+0.1% QoQ	-11.3K	15,628 -3.4% YoY	26,738 +5.8% YoY	33,089 +6.1% YoY	Bottom 1.7% in tier
Assets	$116.6M +5.0% YoY+0.5% QoQ	$-114.7M	$231.3M -0.0% YoY	$521.2M +7.2% YoY	$547.7M +7.8% YoY	Bottom 11.3% in tier
Loans	$73.4M -0.5% YoY-4.9% QoQ	$-74.4M	$147.8M -1.4% YoY	$373.7M +9.3% YoY	$388.7M +8.6% YoY	18%
Deposits	$99.3M +5.1% YoY+0.6% QoQ	$-100.9M	$200.3M -0.0% YoY	$429.0M +9.5% YoY	$464.6M +9.3% YoY	Bottom 10.3% 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% -29.6% YoY-10.6% QoQ	-0.1%	0.8% +15.5% YoY	1.4% -35.4% YoY	0.7% +273.4% YoY	45%
NIM	2.9% +2.8% YoY+0.5% QoQ	-0.7%	3.6% +6.9% YoY	3.7% +9.1% YoY	3.7% +5.0% YoY	17%
Efficiency Ratio	73.1% +1.5% YoY-1.8% QoQ	-4.2%	77.3% -3.0% YoY	74.2% -2.5% YoY	79.1% -3.3% YoY	34%
Delinquency Rate	0.1% +18.1% YoY+4.0% QoQ	-0.7	0.9% +7.6% YoY	0.9% +10.7% YoY	1.2% -0.9% YoY	Bottom 7.2% in tier
Loan To Share	73.9% -5.3% YoY-5.5% QoQ	+1.2%	72.7% -1.5% YoY	77.1% -1.5% YoY	68.0% -1.7% YoY	49%
AMR	$40,099 +3.0% YoY-1.9% QoQ	+$16K	$24,363 +2.9% YoY	$23,275 +3.9% YoY	$19,418 +1.3% YoY	Top 5.7% in tier
CD Concentration	28.4% +3.3% YoY-0.3% QoQ	+4.0%	24.4% +4.2% YoY	22.0% +1.9% YoY	19.6% +6.2% YoY	50%
Indirect Auto %	0.0% -78.9% YoY-52.7% QoQ	-14.0%	14.0% -5.7% YoY	6.6% -8.5% YoY	7.9% -2.9% YoY	50%

Signature Analysis

Strengths (2)

Credit Quality Leader

growth

#88 of 340 • Top 25.7% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why This Signature

Delinquency Rate: 0.14%

(Tier: 0.85%, National: 1.23%)

better than tier avg

Delinquency Change (YoY): 0.02% points

(Tier: 0.04% points, National: 0.07% points)

better than tier avg

340 of 1077 Community CUs have this signature | 457 nationally

→ Stable (341→340 CUs) -1 CUs YoY | Rank worsening

Relationship Depth Leader

growth

#186 of 257 • Top 72.3% 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): 2.96%

(Tier: 3.68%, National: 4.19%)

but worse than tier avg

Share Draft per Member: $3.8K

(Tier: $2.8K, National: $2.0K)

better than tier avg

257 of 1077 Community CUs have this signature | 341 nationally

↑ Growing +59 CUs YoY | Rank worsening

Concerns (1)

Credit Quality Pressure

risk

#681 of 736 • Bottom 27.5% in tier

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

Why This Signature

Delinquency Change (YoY): 0.02% points

(Tier: 0.04% points, National: 0.07% points)

but better than tier avg

736 of 1077 Community CUs have this signature | 1002 nationally

↓ Shrinking -199 CUs YoY | 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 1077 peers in tier

Top Strengths (5 metrics)

Average Member Relationship (AMR)

engagement

Value: $40,099

Peer Avg: -

#61 of 1077 Top 5.6% in 100M-500M tier

Loan-to-Member Ratio (LMR)

engagement

Value: $17,039

Peer Avg: -

#67 of 1077 Top 6.1% in 100M-500M tier

Total Delinquency Rate (60+ days)

risk

Value: 0.14%

Peer Avg: -

#79 of 1077 Top 7.2% in 100M-500M tier

226

Net Worth Ratio

risk

Value: 14.06%

Peer Avg: -

#226 of 1077 Top 20.9% in 100M-500M tier

255

Net Charge-Off Rate

risk

Value: 0.16%

Peer Avg: -

#255 of 1077 Top 23.6% in 100M-500M tier

Top Weaknesses (6 metrics)

1059

Total Members

engagement

Value: 4,308

Peer Avg: -

#1059 of 1077 Bottom 1.8% in 100M-500M tier

966

Total Deposits

balance_sheet

Value: $99.34M

Peer Avg: -

#966 of 1077 Bottom 10.4% in 100M-500M tier

955

Total Assets

balance_sheet

Value: $116.61M

Peer Avg: -

#955 of 1077 Bottom 11.4% in 100M-500M tier

896

Net Interest Margin (NIM)

profitability

Value: 2.92%

Peer Avg: -

#896 of 1077 Bottom 16.9% in 100M-500M tier

885

Total Loans

balance_sheet

Value: $73.41M

Peer Avg: -

#885 of 1077 Bottom 17.9% in 100M-500M tier

855

First Mortgage Concentration (%)

balance_sheet

Value: 44.66%

Peer Avg: -

#855 of 1077 Bottom 20.7% in 100M-500M tier