BlastPoint's Credit Union Scorecard
TWO RIVERS
Charter #20114 · AR
TWO RIVERS has 3 strengths but faces 7 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + AMR Growth Rate: Top 0.8% in tier
Key Concerns
Areas that may need attention
- - ROA 1.58% below tier average
- - Efficiency ratio 26.82% above tier (higher cost structure)
- - Delinquency rate 2.24% above tier average
- - Member decline: -28.6% YoY
- - Member Growth Rate: Bottom 1.3% in tier
- - Share Certificate Concentration (%): Bottom 4.1% in tier
- - Total Delinquency Rate (60+ days): Bottom 9.3% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,390
-28.6% YoY-13.1% QoQ
|
-1.2K |
2,615
-1.9% YoY
|
7,878
+8.0% YoY
|
33,374
+5.7% YoY
|
38% |
| Assets |
$16.0M
+0.6% YoY-1.9% QoQ
|
$-14.1M |
$30.1M
+2.1% YoY
|
$108.7M
+13.0% YoY
|
$561.6M
+9.7% YoY
|
42% |
| Loans |
$9.9M
+2.7% YoY-0.4% QoQ
|
$-5.9M |
$15.8M
-1.3% YoY
|
$78.6M
+14.7% YoY
|
$397.0M
+8.8% YoY
|
51% |
| Deposits |
$14.3M
+0.5% YoY-1.7% QoQ
|
$-11.4M |
$25.7M
+1.4% YoY
|
$88.8M
+14.2% YoY
|
$477.3M
+9.7% YoY
|
44% |
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| ROA |
-1.0%
-11.6% YoY+37.1% QoQ
|
-1.6% |
0.6%
+10.8% YoY
|
-0.1%
-109.5% YoY
|
0.7%
+15.9% YoY
|
Bottom 5.9% in tier |
| NIM |
2.9%
+1.9% YoY+2.1% QoQ
|
-1.0% |
4.0%
+4.0% YoY
|
4.2%
+0.9% YoY
|
3.8%
+5.1% YoY
|
18% |
| Efficiency Ratio |
109.4%
-15.4% YoY+4.2% QoQ
|
+26.8% |
82.6%
-2.3% YoY
|
86.1%
+2.0% YoY
|
79.7%
-3.3% YoY
|
Top 6.6% in tier |
| Delinquency Rate |
3.8%
-18.2% YoY-2.9% QoQ
|
+2.2 |
1.6%
-3.1% YoY
|
1.8%
+15.7% YoY
|
1.3%
-2.1% YoY
|
Top 9.3% in tier |
| Loan To Share |
69.2%
+2.1% YoY+1.3% QoQ
|
+8.6% |
60.6%
-3.1% YoY
|
73.6%
-2.9% YoY
|
67.4%
-1.7% YoY
|
63% |
| AMR |
$17,349
+41.9% YoY+13.7% QoQ
|
+$3K |
$14,783
-1.4% YoY
|
$12,676
+2.7% YoY
|
$19,687
+2.0% YoY
|
68% |
| CD Concentration |
48.6%
-21.6% YoY-0.1% QoQ
|
+24.2% | 24.4% | 15.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.5% | 7.8% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)