Two Rivers Federal Credit Union (NCUA charter #20114) is based in Arkadelphia, Arkansas. Its Q2 2026 call report shows $13.8M in total assets and $12.4M in member shares and deposits and 2 offices.
Based on its Q2 2026 filing, Two Rivers Federal Credit Union scores 39/100, which we describe as low. That is higher than only 3% of 2,479 credit unions with under $100 million in assets. Among 46 credit unions headquartered in Arkansas, it ranks 45th. Its strongest component is funding & liquidity (82/100; 79% loans-to-deposits, 6% uninsured), and its lowest is earnings (0/100; -2.58%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 8 points (47 → 39), mostly because the earnings component weakened by 39 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 40 |
| Q3 2024 | 43 |
| Q4 2024 | 43 |
| Q1 2025 | 69 |
| Q2 2025 | 47 |
| Q3 2025 | 40 |
| Q4 2025 | 39 |
| Q1 2026 | 47 |
| Q2 2026 | 39 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 11.93% |
| Q3 2024 | 12.61% |
| Q4 2024 | 12.68% |
| Q1 2025 | 16.17% |
| Q2 2025 | 11.65% |
| Q3 2025 | 11.82% |
| Q4 2025 | 11.55% |
| Q1 2026 | 11.75% |
| Q2 2026 | 12.11% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 4.20% |
| Q3 2024 | 3.63% |
| Q4 2024 | 4.63% |
| Q1 2025 | 4.32% |
| Q2 2025 | 4.12% |
| Q3 2025 | 3.90% |
| Q4 2025 | 3.79% |
| Q1 2026 | 2.23% |
| Q2 2026 | 3.89% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | -2.22% |
| Q3 2024 | -1.56% |
| Q4 2024 | -1.09% |
| Q1 2025 | 2.33% |
| Q2 2025 | 0.46% |
| Q3 2025 | -0.72% |
| Q4 2025 | -0.97% |
| Q1 2026 | -3.66% |
| Q2 2026 | -2.58% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 39 | $13.8M | 12.11% | 3.89% | -2.58% | 78.7% |
| Q1 2026 | 47 | $14.7M | 11.75% | 2.23% | -3.66% | 74.4% |
| Q4 2025 | 39 | $16.0M | 11.55% | 3.79% | -0.97% | 69.2% |
| Q3 2025 | 40 | $16.3M | 11.82% | 3.90% | -0.72% | 68.3% |
| Q2 2025 | 47 | $17.4M | 11.65% | 4.12% | 0.46% | 73.8% |
| Q1 2025 | 69 | $12.9M | 16.17% | 4.32% | 2.33% | 75.4% |
| Q4 2024 | 43 | $15.9M | 12.68% | 4.63% | -1.09% | 67.8% |
| Q3 2024 | 43 | $16.0M | 12.61% | 3.63% | -1.56% | 67.9% |
| Q2 2024 | 40 | $16.9M | 11.93% | 4.20% | -2.22% | 69.8% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Arkansas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Fort Smith Teachers Federal Credit UnionCredit union Fort Smith, AR | 89 out of 100, Very strong | $13.1M | 23.6% | 0.31% | vs |
| River Town Federal Credit UnionCredit union Fort Smith, AR | 76 out of 100, Strong | $15.2M | 14.9% | 0.24% | vs |
| Pba Federal Credit UnionCredit union Pine Bluff, AR | 74 out of 100, Strong | $11.3M | 29.3% | 0.20% | vs |
| White County Federal Credit UnionCredit union Searcy, AR | 65 out of 100, Moderate | $17.0M | 17.7% | 2.58% | vs |
| Arkansas Health Center Federal Credit UnionCredit union Benton, AR | 91 out of 100, Very strong | $9.8M | 16.9% | 0.38% | vs |
| Lion Federal Credit UnionCredit union El Dorado, AR | 92 out of 100, Very strong | $18.0M | 18.7% | 0.09% | vs |
Deposit insurance
Is my money safe at Two Rivers Federal Credit Union?
Yes. Two Rivers Federal Credit Union is a federally insured credit union (NCUA charter #20114). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 5.6% of shares and deposits ($696K) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 12.11%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Two Rivers Federal Credit Union lists 2 offices in 1 city. Most locations:
- Arkadelphia, AR (2)
Identity & history
Profile
- Legal name
- Two Rivers Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 20114
- RSSD ID
- 330789
- Primary regulator
- NCUA
- Established
- 1970
- Headquarters
- 204 N 10th St, Arkadelphia, AR 71923
- Employees
- 8
Quick answers
Two Rivers Federal Credit Union: common questions
Is Two Rivers Federal Credit Union NCUA insured?
Yes. Two Rivers Federal Credit Union is a federally insured credit union (NCUA charter #20114). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Two Rivers Federal Credit Union's TellerScore?
39 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Two Rivers Federal Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Arkadelphia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Patterson Federal Credit UnionCredit union Arkadelphia, AR | 96 out of 100, Very strong | $38.0M | 17.5% | 0.08% | vs |
| Bank of DelightBank Delight, AR | 86 out of 100, Very strong | $201.0M | 13.4% | 0.29% | vs |
| Clearway Federal Credit UnionCredit union Malvern, AR | 83 out of 100, Strong | $79.6M | 22.5% | 0.52% | vs |
| First State BankBank Lonoke, AR | 77 out of 100, Strong | $328.1M | 11.2% | 0.00% | vs |
| Bank OZKBank Little Rock, AR | 76 out of 100, Strong | $41.7B | 14.0% | 0.92% | vs |
| Riverside BankBank Sparkman, AR | 76 out of 100, Strong | $73.9M | 12.3% | 0.04% | vs |