PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

River Town

Fort Smith, AR · Charter 24257

NCUA · 1 branch

Q2 2026

$15.2MAssets
$8.7MLoans
$12.9MShares
$2.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of -1.33%, down 152 bps year over year; NIM at 4.08%.
  • Asset quality: problem loans at 0.24% of loans (+19 bps YoY).
  • Capital: net worth / assets of 14.87%, up 32 bps from a year ago.
  • Funding: loans stand at 67.76% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

-1.33%-152 bps YoY

Net Interest Margin (quarter, annualized)

4.08%+76 bps YoY

Efficiency Ratio (quarter, annualized)

125.69%+2,792 bps YoY

Net Worth / Assets

14.87%+32 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.19%0.24%0.08%-1.54%-1.33%-152 bps
Return on Equity1.32%1.58%0.55%-10.28%-8.96%-1,028 bps
Net Interest Margin3.32%4.69%4.71%4.46%4.08%+76 bps
Efficiency Ratio97.77%97.67%99.40%127.70%125.69%+2,792 bps
Growth
Asset Growth (YoY)-19.87%-19.67%-16.91%-11.76%4.54%+2,441 bps
Loan Growth (YoY)-17.17%-16.09%-14.85%-15.46%-11.55%+562 bps
Share Growth (YoY)-23.14%-22.48%-19.30%-12.99%6.99%+3,013 bps
Asset Quality
Delinquent Loans / Loans0.05%0.00%0.01%0.06%0.24%+19 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital14.55%15.11%15.10%14.96%14.87%+32 bps
Net Worth / Assets14.55%15.11%15.10%14.96%14.87%+32 bps
Liquidity & Funding
Loans / Shares81.96%82.84%78.67%76.80%67.76%-1,420 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps