Two Rivers
Arkadelphia, AR · Charter 20114 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$13.8MAssets
$9.8MLoans
$12.4MShares
$1.7MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 42% of credit unions under $1B in assets (rank 978 of 1683).
- Widest gap: return on equity trails 99% of credit unions under $1B in assets (rank 1656 of 1681).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
-2.58%
Rank 1,653 of 1,683
Net Interest Margin
2.30%
Rank 1,640 of 1,683
Efficiency Ratio
114.23%
Rank 1,626 of 1,682
Equity / Assets
12.10%
Rank 978 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -2.58% | 0.35% | 0.74% | 1.18% | Beats 2% | 1,653 / 1,683 | |
| Return on Equity | -21.30% | 2.67% | 5.89% | 8.74% | Beats 1% | 1,656 / 1,681 | |
| Net Interest Margin | 2.30% | 3.31% | 3.82% | 4.32% | Beats 3% | 1,640 / 1,683 | |
| Efficiency Ratio | 114.23% | 68.91% | 78.20% | 86.93% | Beats 3% | 1,626 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.89% | 0.26% | 0.65% | 1.29% | Beats 5% | 1,597 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.10% | 10.44% | 12.89% | 16.53% | Beats 42% | 978 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.10% | 10.44% | 12.89% | 16.53% | Beats 42% | 978 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 78.66% | 52.61% | 69.38% | 83.50% | 67th pctl | 557 / 1,683 | |
| Loans / Assets | 70.74% | 44.71% | 59.18% | 70.72% | 75th pctl | 420 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |