Side-by-side · Q2 2026 data
Smackover State Bank vs River Valley Community Federal Credit Union
Credit union
River Valley Community Federal Credit Union
Camden, Arkansas · Under $100 million in assets
Metric by metric
| Measure | Smackover State Bank | River Valley Community Federal Credit Union |
|---|---|---|
| TellerScore | 68 | 74 (stronger) |
| Capital cushion | 60 | 89 (stronger) |
| Loan quality | 72 (stronger) | 58 |
| Earnings | 67 (stronger) | 62 |
| Funding & liquidity | 62 | 80 (stronger) |
| Problem-loan coverage | 89 (stronger) | 85 |
| Peer percentile | 37th | 49th |
| Total assets | $252.4M | $64.3M |
| Deposits / shares | $210.4M | $55.0M |
| Capital ratio | 11.04% | 13.91% (stronger) |
| Problem loans | 0.83% (stronger) | 1.25% |
| Net charge-offs | 0.08% (stronger) | 0.45% |
| Return on assets | 1.17% (stronger) | 1.04% |
| Loans ÷ deposits | 83.0% | 80.7% (stronger) |
| Uninsured deposits | 28.7% | 1.5% (stronger) |
| Offices | 4 | 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 68). On the 7 directional measures above (where higher or lower is clearly better), Smackover State Bank leads on 3 and River Valley Community Federal Credit Union on 4. Deposits are insured up to $250,000 per depositor, per ownership category, at both.