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
- + ROA 1.01% above tier average
- + AMR Growth Rate: Top 4.6% in tier
Key Concerns
Areas that may need attention
- - Efficiency ratio 25.63% above tier (higher cost structure)
- - Delinquency rate 2.35% above tier average
- - Member decline: -21.9% YoY
- - Asset Growth Rate: Bottom 1.1% in tier
- - Member Growth Rate: Bottom 1.6% in tier
- - Net Interest Margin (NIM): Bottom 4.9% in tier
- - Deposit Growth Rate: Bottom 5.3% in tier
- - Share Certificate Concentration (%): Bottom 6.8% in tier
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 2026 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- One of 2,437 credit unions with under $100M in assets nationally, and 1 of 42 that size in Arkansas.
- Shares and deposits -12.1% year over year ($12.4M in shares and deposits).
- Membership: 1,389 members, -21.9% vs a year ago.
- Delinquency rate 3.89%.
- Return on assets 2.50%.
- Efficiency ratio 114.40% vs a 88.77% peer average.
- Loan-to-share ratio 78.66% vs a 58.89% peer average.
Data period: Q2 2026 NCUA call report. Animation disabled (reduced-motion preference). Full details in the metrics table below.
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
1,389
-21.9% YoY-0.7% QoQ
|
-1.2K |
2,585
-1.7% YoY
|
8,161
+10.4% YoY
|
34,678
+6.6% YoY
|
38% |
| Assets |
$13.8M
-20.8% YoY-6.0% QoQ
|
$-16.5M |
$30.3M
+1.5% YoY
|
$115.8M
+17.0% YoY
|
$593.1M
+10.2% YoY
|
39% |
| Loans |
$9.8M
-6.3% YoY+0.7% QoQ
|
$-5.7M |
$15.5M
-1.7% YoY
|
$84.2M
+19.9% YoY
|
$418.6M
+10.1% YoY
|
51% |
| Deposits |
$12.4M
-12.1% YoY-4.7% QoQ
|
$-13.4M |
$25.8M
+1.1% YoY
|
$93.4M
+13.5% YoY
|
$504.8M
+10.3% YoY
|
41% |
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| ROA |
2.5%
+369.1% YoY-168.2% QoQ
|
+1.0% |
1.5%
+241.5% YoY
|
1.6%
+705.7% YoY
|
1.2%
+121.4% YoY
|
Top 5.7% in tier |
| NIM |
2.2%
-40.2% YoY+10.3% QoQ
|
-1.7% |
3.9%
+0.9% YoY
|
4.1%
-5.5% YoY
|
3.8%
+2.3% YoY
|
Bottom 4.9% in tier |
| Efficiency Ratio |
114.4%
+46.7% YoY-14.1% QoQ
|
+25.6% |
88.8%
-6.9% YoY
|
86.5%
+3.6% YoY
|
83.0%
-5.3% YoY
|
Bottom 6.6% in tier |
| Delinquency Rate |
3.9%
-5.5% YoY+74.3% QoQ
|
+2.3 |
1.5%
+2.1% YoY
|
1.9%
+36.9% YoY
|
1.3%
+2.6% YoY
|
Bottom 9.2% in tier |
| Loan To Share |
78.7%
+6.5% YoY+5.7% QoQ
|
+19.8% |
58.9%
-3.1% YoY
|
71.8%
-1.2% YoY
|
66.4%
-1.4% YoY
|
79% |
| AMR |
$15,970
+15.7% YoY-1.7% QoQ
|
+$1K |
$14,963
-6.8% YoY
|
$12,982
+3.9% YoY
|
$20,028
-0.9% YoY
|
60% |
| CD Concentration |
41.8%
-23.3% YoY-3.4% QoQ
|
+17.2% | 24.6% | 15.4% | 20.0% | 50% |
| Indirect Auto % | 0.0% | -13.6% | 13.6% | 2.2% | 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)