Two Rivers Federal Credit Union
Major Rating Factors:
A current level of 13.9 percent of nonperforming loans to core capital contributes to the Fair asset quality (4.5). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.2 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) based on a net capital to total assets of 11.8 and a net worth ratio of 11.8. Fair liquidity 3.8, driven by a liquidity ratio of 26.8 percent and a “hot money” ratio of 36.3 percent.
Asset Mix:
Consumer loans (52%), other (48%)
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Address
204 North, 10th Street
Arkadelphia, AR 71923
Arkadelphia, AR 71923
Phone Number
(870) 210-7222
NCUA Charter Number
Website
Largest Competitors
Little Rock, AR
Little Rock, AR
Blytheville, AR
Texarkana, AR
Arkadelphia, AR