Federal credit union · FORT SMITH, Arkansas · NCUA charter #24257
River Town
Health score 81/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 81
- Health / 100
- $14.0M
- Total assets
- 2,392
- Members
- 15.0%
- Net-worth ratio
River Town scores 81/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $14.0M; members 2,392; net-worth ratio 14.96%; health rank #2,563 of 4,374; healthier than 39th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#2,563 of 4,374 health · 2025Q4River Town · health 81/100 · $14.0M · 2025Q4
Call Report peers
River Town in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
River Town vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); River Town sits in 80-84 with 767 others.
81 39th percentile higher than 39% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for River Town
- Largest favorable gap: Loan-to-Share Ratio at 78.67% vs peer 59.80% (+18.87 pp).
- Largest lag: Return on Assets at 0.22% vs peer 0.70% (-0.48 pp).
Where River Town sits in Arkansas
- Arkansas health ordinal: #27 of 48.
- Assets rank #28 of 48 inside Arkansas ($14.0M reported).
- Member book place in Arkansas: #22 of 48.
- One place up in Arkansas, Arkansas Best (#26) ties at 81/100; one place down, SUBIACO (#28) scores 80/100, 1 point lower.
River Town Call Report trajectory
River Town: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -1.6% from $14.0M (2025Q4) to $13.8M (2026Q1).
- Net-worth ratio shifted -0.14 pp (15.10% → 14.96%).
At 14.96%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 81/100 score is built
River Town gives up 19 points in total. Member Growth costs the most, 15 of its 15; Net Worth Ratio and Delinquency Rate and Loan-to-Share Ratio score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 25.0 pts
- Return on Assets 10.8 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.2 pts
River Town health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 14.96% | +0.10 pp |
| Delinquency Rate | 0.01% | -1.13 pp |
| Return on Assets | 0.22% | -0.48 pp |
| Member Growth | -9.57% | - |
| Loan-to-Share Ratio | 78.67% | +18.87 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
River Town filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $13.8M | - |
| 2025Q4 | $14.0M | 2,392 |
| 2024Q4 | $16.9M | 2,645 |
| 2023Q4 | $19.1M | 2,652 |
Credit Union Details
- Charter Number
- 24257
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Arkansas
- City
- FORT SMITH
- Data Quarter
- 2025Q4
Branch Location
River Town operates a single office in FORT SMITH, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| RIVERTOWN (Main Office) | FORT SMITH, AR |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Arkansas
More federally-insured credit unions based in Arkansas, ordered by peer group match and asset size.
Cross-state Call Report peers for River Town
Similar total assets
Using this data
- River Town ranks #2,563 of 4,374 nationally on financial health and #27 of 48 in AR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Fort Smith Teachers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Fort Smith Teachers
Frequently Asked Questions
Is River Town financially healthy?
River Town has a financial health score of 81/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #2,563 of 4,374 nationally on health and #27 of 48 in Arkansas. Its net worth ratio is 14.96% and its delinquency rate 0.01%.
How does River Town compare to other credit unions?
River Town scores 81/100, higher than 39% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (78.67% vs 59.80%). Its widest shortfall is return on assets (0.22% vs 0.70%).
How can I join River Town?
River Town operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact River Town directly for the exact boundaries and application steps.
Is my money safe at River Town?
River Town is a federal credit union; its shares are federally insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. River Town's net worth ratio of 14.96% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.