Side-by-side · Q2 2026 data
River Town Federal Credit Union vs White County Federal Credit Union
Credit union
River Town Federal Credit Union
Fort Smith, Arkansas · Under $100 million in assets
Credit union
White County Federal Credit Union
Searcy, Arkansas · Under $100 million in assets
Metric by metric
| Measure | River Town Federal Credit Union | White County Federal Credit Union |
|---|---|---|
| TellerScore | 76 (stronger) | 65 |
| Capital cushion | 99 | 100 (stronger) |
| Loan quality | 92 (stronger) | 14 |
| Earnings | 0 | 59 (stronger) |
| Funding & liquidity | 92 (stronger) | 80 |
| Problem-loan coverage | 98 (stronger) | 80 |
| Peer percentile | 54th | 30th |
| Total assets | $15.2M | $17.0M |
| Deposits / shares | $12.9M | $13.8M |
| Capital ratio | 14.87% | 17.68% (stronger) |
| Problem loans | 0.24% (stronger) | 2.58% |
| Net charge-offs | 0.04% (stronger) | 0.15% |
| Return on assets | -1.33% | 0.99% (stronger) |
| Loans ÷ deposits | 67.8% (stronger) | 80.4% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
River Town Federal Credit Union has the higher TellerScore (76 vs 65). On the 6 directional measures above (where higher or lower is clearly better), River Town Federal Credit Union leads on 4 and White County Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.