Two Rivers

Arkadelphia, AR · 1 · Charter #20114 · www.tworiversfcu.com
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$16.0M
55th percentile
Members
1,390
49th percentile
Total loans
$9.9M
65th percentile
Total shares
$14.3M
57th percentile

Profitability

Return on assets
-0.39%
9th percentile
Net interest margin
2.96%
19th percentile
Efficiency ratio
71.90%
39th percentile
Non-interest income ratio
18.32%
79th percentile

Capital & Risk

Net worth ratio
11.55%
26th percentile
Delinquency rate
3.79%
11th percentile
Net charge-off rate
0.88%
20th percentile
Loan-to-share
69.23%
62th percentile

Growth

Member growth YoY
-28.57%
1th percentile
Asset growth YoY
0.63%
46th percentile
Loan growth YoY
2.65%
72th percentile
Share growth YoY
0.50%
50th percentile

Operations

Members / branch
695
33th percentile
Assets / member
$11,518
68th percentile
Field of membership penetration
4.96%
17th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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