River Town
Fort Smith, AR · Charter 24257 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 1 branch
Q2 2026
$15.2MAssets
$8.7MLoans
$12.9MShares
$2.3MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 77% of credit unions under $1B in assets (rank 390 of 1682).
- Widest gap: efficiency ratio trails 98% of credit unions under $1B in assets (rank 1651 of 1682).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
-1.33%
Rank 1,629 of 1,683
Net Interest Margin
4.07%
Rank 611 of 1,683
Efficiency Ratio
125.69%
Rank 1,651 of 1,682
Equity / Assets
14.87%
Rank 563 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | -1.33% | 0.35% | 0.74% | 1.18% | Beats 3% | 1,629 / 1,683 | |
| Return on Equity | -8.96% | 2.67% | 5.89% | 8.74% | Beats 4% | 1,614 / 1,681 | |
| Net Interest Margin | 4.07% | 3.31% | 3.82% | 4.32% | Beats 64% | 611 / 1,683 | |
| Efficiency Ratio | 125.69% | 68.91% | 78.20% | 86.93% | Beats 2% | 1,651 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.24% | 0.26% | 0.65% | 1.29% | Beats 77% | 390 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 14.87% | 10.44% | 12.89% | 16.53% | Beats 67% | 563 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 14.87% | 10.44% | 12.89% | 16.53% | Beats 67% | 563 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 67.76% | 52.61% | 69.38% | 83.50% | 47th pctl | 888 / 1,683 | |
| Loans / Assets | 57.43% | 44.71% | 59.18% | 70.72% | 46th pctl | 906 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |