BlastPoint's Credit Union Scorecard
TWO RIVERS
Charter #20114 · AR
TWO RIVERS has 2 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + AMR Growth Rate: Top 0.9% in tier
- + Asset Growth Rate: Top 3.5% in tier
Key Concerns
Areas that may need attention
- - ROA 3.81% below tier average
- - Efficiency ratio 42.53% above tier (higher cost structure)
- - Delinquency rate 0.73% above tier average
- - Member decline: -28.9% YoY
- - Member Growth Rate: Bottom 1.0% in tier
- - Net Interest Margin (NIM): Bottom 3.8% in tier
- - Share Certificate Concentration (%): Bottom 5.9% in tier
- - Net Charge-Off Rate: Bottom 6.1% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,399
-28.9% YoY+0.6% QoQ
|
-1.3K |
2,676
+1.6% YoY
|
7,947
+7.9% YoY
|
33,913
+5.7% YoY
|
38% |
| Assets |
$14.7M
+13.5% YoY-8.3% QoQ
|
$-15.5M |
$30.2M
+1.3% YoY
|
$111.4M
+12.6% YoY
|
$578.3M
+9.0% YoY
|
40% |
| Loans |
$9.7M
-3.7% YoY-1.7% QoQ
|
$-5.6M |
$15.3M
-2.0% YoY
|
$80.4M
+16.0% YoY
|
$402.4M
+8.7% YoY
|
51% |
| Deposits |
$13.0M
-2.4% YoY-8.5% QoQ
|
$-12.8M |
$25.8M
+0.7% YoY
|
$90.2M
+11.4% YoY
|
$494.3M
+9.1% YoY
|
42% |
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| ROA |
-3.7%
-275.6% YoY+281.7% QoQ
|
-3.8% |
0.1%
-77.6% YoY
|
-4.0%
+7873.5% YoY
|
0.4%
-39.2% YoY
|
Bottom 2.6% in tier |
| NIM |
2.0%
-48.8% YoY-31.1% QoQ
|
-2.0% |
4.0%
+4.0% YoY
|
4.1%
-8.1% YoY
|
3.8%
+4.1% YoY
|
Bottom 3.7% in tier |
| Efficiency Ratio |
133.2%
+389.0% YoY+21.7% QoQ
|
+42.5% |
90.6%
+6.5% YoY
|
125.8%
+36.6% YoY
|
84.6%
+2.8% YoY
|
Bottom 4.1% in tier |
| Delinquency Rate |
2.2%
-48.3% YoY-41.1% QoQ
|
+0.7 |
1.5%
+3.8% YoY
|
1.6%
+18.4% YoY
|
1.2%
+3.4% YoY
|
83% |
| Loan To Share |
74.4%
-1.3% YoY+7.5% QoQ
|
+15.9% |
58.5%
-3.0% YoY
|
70.8%
-3.6% YoY
|
65.6%
-1.4% YoY
|
74% |
| AMR |
$16,251
+36.5% YoY-6.3% QoQ
|
+$1K |
$14,884
-1.7% YoY
|
$12,879
+3.3% YoY
|
$19,920
+1.6% YoY
|
62% |
| CD Concentration |
43.2%
-27.1% YoY-11.1% QoQ
|
+19.0% | 24.3% | 15.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.4% | 7.7% | 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)