Federal credit union · Arkadelphia, Arkansas · NCUA charter #20114
Two Rivers
Health score 46/100, grade F (Below Average) - from the NCUA 5300 Call Report, 2025Q4.
- 46
- Health / 100
- $16.0M
- Total assets
- 1,390
- Members
- 11.8%
- Net-worth ratio
Two Rivers scores 46/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $16.0M; members 1,390; net-worth ratio 11.75%; health rank #4,307 of 4,374; healthier than 1st of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#4,307 of 4,374 health · 2025Q4Two Rivers · health 46/100 · $16.0M · 2025Q4
Call Report peers
Two Rivers in the assets neighbourhood
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Two Rivers vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Two Rivers sits in 45-49 with 39 others.
46 1st percentile higher than 1% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Where Two Rivers diverges from peer averages
- Loan-to-Share Ratio leads the peer set - 69.23% here, 59.80% peer average (+9.43 pp).
- Largest lag: Net Worth Ratio at 11.75% vs peer 14.86% (-3.11 pp).
Arkansas standing for Two Rivers
- In Arkansas, health place is #47 of 48 on the same NCUA-ratio sort used nationally.
- Arkansas assets place: #27 of 48.
- Arkansas membership ordinal: #33 of 48.
- One place up in Arkansas, U.P. Employees (#46) scores 60/100, 14 points higher; one place down, People Trust Community (#48) scores 24/100, 22 points lower.
Quarter path for Two Rivers
Two Rivers: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -8.3% from $16.0M (2025Q4) to $14.7M (2026Q1).
- Net-worth ratio shifted +0.20 pp (11.55% → 11.75%).
11.75% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 46/100 score is built
Two Rivers gives up 54 points in total. Delinquency Rate costs the most, 23.7 of its 25; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 1.3 pts
- Return on Assets 0.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 14.7 pts
Call Report ratios for Two Rivers
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 11.75% | -3.11 pp |
| Delinquency Rate | 3.79% | +2.65 pp |
| Return on Assets | -1.08% | -1.79 pp |
| Member Growth | -28.57% | - |
| Loan-to-Share Ratio | 69.23% | +9.43 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Two Rivers quarterly book
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $14.7M | - |
| 2025Q4 | $16.0M | 1,390 |
| 2024Q4 | $15.9M | 1,946 |
| 2023Q4 | $18.4M | 1,799 |
Credit Union Details
- Charter Number
- 20114
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Arkansas
- City
- Arkadelphia
- Data Quarter
- 2025Q4
Branch Locations (2)
Per its most recent NCUA branch filing, Two Rivers runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Two Rivers FCU (Main Office) | Arkadelphia, AR |
| TWO RIVERS FCU | ARKADELPHIA, AR |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Arkansas
A look at other Arkansas credit unions, ranked by how closely their peer group and asset size match this one.
Cross-state Call Report peers for Two Rivers
Using this data
- Two Rivers ranks #4,307 of 4,374 nationally on financial health and #47 of 48 in AR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- L R F D is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with L R F D
Frequently Asked Questions
Is Two Rivers financially healthy?
On its 2025Q4 NCUA 5300 filing, Two Rivers scores 46/100 (Below Average), with a 11.75% net worth ratio and 3.79% of loans delinquent. It ranks #4,307 of 4,374 nationally on health and #47 of 48 in Arkansas.
How does Two Rivers compare to other credit unions?
Two Rivers scores 46/100, higher than 1% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (69.23% vs 59.80%). Its widest shortfall is net worth ratio (11.75% vs 14.86%).
How can I join Two Rivers?
Two Rivers 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 Two Rivers directly for the exact boundaries and application steps.
Is my money safe at Two Rivers?
Two Rivers 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. Two Rivers's net worth ratio of 11.75% 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.