Side-by-side · Q2 2026 data
Two Rivers Federal Credit Union vs River Town Federal Credit Union
Credit union
River Town Federal Credit Union
Fort Smith, Arkansas · Under $100 million in assets
Metric by metric
| Measure | Two Rivers Federal Credit Union | River Town Federal Credit Union |
|---|---|---|
| TellerScore | 39 | 76 (stronger) |
| Capital cushion | 71 | 99 (stronger) |
| Loan quality | 0 | 92 (stronger) |
| Earnings | 0 | 0 |
| Funding & liquidity | 82 | 92 (stronger) |
| Problem-loan coverage | 54 | 98 (stronger) |
| Peer percentile | 3rd | 54th |
| Total assets | $13.8M | $15.2M |
| Deposits / shares | $12.4M | $12.9M |
| Capital ratio | 12.11% | 14.87% (stronger) |
| Problem loans | 3.89% | 0.24% (stronger) |
| Net charge-offs | 0.92% | 0.04% (stronger) |
| Return on assets | -2.58% | -1.33% (stronger) |
| Loans ÷ deposits | 78.7% | 67.8% (stronger) |
| Uninsured deposits | 5.6% | 0.0% (stronger) |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
River Town Federal Credit Union has the higher TellerScore (76 vs 39). On the 7 directional measures above (where higher or lower is clearly better), Two Rivers Federal Credit Union leads on 0 and River Town Federal Credit Union on 7. Deposits are insured up to $250,000 per depositor, per ownership category, at both.