Side-by-side · Q2 2026 data
Fort Smith Teachers Federal Credit Union vs River Town Federal Credit Union
Credit union
Fort Smith Teachers Federal Credit Union
Fort Smith, Arkansas · Under $100 million in assets
Credit union
River Town Federal Credit Union
Fort Smith, Arkansas · Under $100 million in assets
Metric by metric
| Measure | Fort Smith Teachers Federal Credit Union | River Town Federal Credit Union |
|---|---|---|
| TellerScore | 89 (stronger) | 76 |
| Capital cushion | 100 (stronger) | 99 |
| Loan quality | 90 | 92 (stronger) |
| Earnings | 60 (stronger) | 0 |
| Funding & liquidity | 100 (stronger) | 92 |
| Problem-loan coverage | 99 (stronger) | 98 |
| Peer percentile | 87th | 54th |
| Total assets | $13.1M | $15.2M |
| Deposits / shares | $10.0M | $12.9M |
| Capital ratio | 23.56% (stronger) | 14.87% |
| Problem loans | 0.31% | 0.24% (stronger) |
| Net charge-offs | 0.00% (stronger) | 0.04% |
| Return on assets | 0.99% (stronger) | -1.33% |
| Loans ÷ deposits | 41.5% (stronger) | 67.8% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Fort Smith Teachers Federal Credit Union has the higher TellerScore (89 vs 76). On the 6 directional measures above (where higher or lower is clearly better), Fort Smith Teachers Federal Credit Union leads on 5 and River Town Federal Credit Union on 1. Deposits are insured up to $250,000 per depositor, per ownership category, at both.