Side-by-side · Q2 2026 data
Cotton Belt Federal Credit Union vs River Valley Community Federal Credit Union
Credit union
Cotton Belt Federal Credit Union
Pine Bluff, Arkansas · Under $100 million in assets
Credit union
River Valley Community Federal Credit Union
Camden, Arkansas · Under $100 million in assets
Metric by metric
| Measure | Cotton Belt Federal Credit Union | River Valley Community Federal Credit Union |
|---|---|---|
| TellerScore | 57 | 74 (stronger) |
| Capital cushion | 100 (stronger) | 89 |
| Loan quality | 0 | 58 (stronger) |
| Earnings | 66 (stronger) | 62 |
| Funding & liquidity | 65 | 80 (stronger) |
| Problem-loan coverage | 45 | 85 (stronger) |
| Peer percentile | 17th | 49th |
| Total assets | $70.0M | $64.3M |
| Deposits / shares | $56.0M | $55.0M |
| Capital ratio | 17.03% (stronger) | 13.91% |
| Problem loans | 4.73% | 1.25% (stronger) |
| Net charge-offs | 0.59% | 0.45% (stronger) |
| Return on assets | 1.16% (stronger) | 1.04% |
| Loans ÷ deposits | 95.6% | 80.7% (stronger) |
| Uninsured deposits | 4.1% | 1.5% (stronger) |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
River Valley Community Federal Credit Union has the higher TellerScore (74 vs 57). On the 7 directional measures above (where higher or lower is clearly better), Cotton Belt Federal Credit Union leads on 2 and River Valley Community Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.