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
- MEM 46/100
- RANK 11.8%
- PHOTO 3.79%
- BOOK -1.08%
- CHARTER $16.0M
- NCUSIF 1,390
- CAMELS #4,307/4,374
- HEALTH LITHIUM
- NW 20114
Call Report peers
Two Rivers in the assets neighbourhood
Two Rivers's $16.0M assets sit next to LITHIUM ($16.0M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
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
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
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
Two Rivers - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #20114: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for AR only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Two Rivers
Two Rivers: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -8.3% from $16.0M (2025Q4) to $14.7M (2026Q1).
- Net-worth ratio shifted +0.20 pp (11.55% → 11.75%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 46.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Two Rivers's nationwide photo peers by assets and by health score, excluding Arkansas charters.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($16.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (46/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Arkansas credit unions compare overall before assuming this one is typical. Arkansas state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Two Rivers financially healthy?
Yes/no aside, the number is 46/100 (Below Average) - Two Rivers's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,307 of 4,374; by total assets it ranks #3,289 of 4,374 nationally (same basis as /rankings/largest); and #27 of 48 within Arkansas. Above 80 reads excellent, below 50 warrants closer monitoring; a 11.75% net worth ratio and 3.79% delinquency rate are the key drivers.
How does Two Rivers compare to other credit unions?
Five weighted metrics from NCUA filings produce Two Rivers's 46/100 score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
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?
Federal credit unions like Two Rivers are 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."
What rates does Two Rivers offer compared to banks?
Credit unions like Two Rivers are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Two Rivers directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.