Sep, 30, 2025 — TWO RIVERS FEDERAL CREDIT UNION is a federal credit union headquartered in ARKADELPHIA, AR with 2 branch locations and about $16.32 million in total assets. Opened 56 years ago in 1970, TWO RIVERS FEDERAL CREDIT UNION has about 1,599 members and employs 7 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | TWO RIVERS FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 204 N 10th St ARKADELPHIA, AR 71923-5029 |
| Phone: | (870) 210-7222 |
| Fax: | (870) 210-7225 |
| Website: | https://www.tworiversfcu.com |
| Branches: | 2 branch locations |
| Members: | 1,599 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 20114 |
|---|---|
| Membership Type: | Multiple common bond - Primarily educational |
| Corporate Credit Union: | No |
| Year Opened: | 1970 |
| Last Audited: | Mar 01, 2024 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $16,316,733 |
| CEO/Manager: | Nikki Neal |
| Chairperson: | Ron Addington |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 3,438,081 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 847,052 |
| Unsecured Loans | 538,874 |
| Other Loans | 8,514,731 |
| TOTAL LOANS | 9,900,657 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -3,261 |
| Land And Building | 1,026,403 |
| Other Fixed Assets | 88,886 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 137,043 |
| All Other Assets | 8,000 |
| TOTAL ASSETS | 16,316,733 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 997 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | -94,999 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 3,370,388 |
| Regular shares | 3,999,251 |
| All Other Shares & Deposits | 7,125,331 |
| TOTAL SHARES & DEPOSITS | 14,494,970 |
| TOTAL LIABILITIES | 14,400,968 |
| Regular Reserve | 0 |
| Other Reserves | 119,283 |
| Undivided Earnings | 1,796,482 |
| TOTAL EQUITY | 1,915,765 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 16,316,733 |
| INCOME & EXPENSE | |
| Loan Income | 492,387 |
| Investment Income | 133,120 |
| Other Income | 105,427 |
| Total Employee Compensation & Benefits | 199,150 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 306,298 |
| Non-operating Income & (Expense) | -11,404 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 64,506 |
| Cost of Funds | 261,604 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | -88,618 |
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