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TWO RIVERS FEDERAL CREDIT UNION

Mar, 31, 2021 — TWO RIVERS FEDERAL CREDIT UNION is a federal credit union headquartered in Arkadelphia, AR with 2 branch locations and about $17.24 million in total assets. Opened 51 years ago in 1970, TWO RIVERS FEDERAL CREDIT UNION has about 1,766 members and employs 4 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:http://www.tworiversfcu.com
Branches:2 branch locations
Members:1,766
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, 2020
FHLB Member:No
Low Income Designation:No
Assets:$17,243,509
CEO/Manager:Sharon Hearnsberger
Chairperson:Ron Addington

Call Report

  • Credit Builder
  • Real Estate Loans
  • Risk Based Loans
  • ATM/Debit Card Program
  • Commercial Share Accounts
  • Low Cost Wire Transfers

Financial Summary

» See also Statement of Financial Condition
ASSETS:$ Amount
Cash & Equivalents 3,391,235
TOTAL INVESTMENTS 998,838
Loans Held for Sale 0
 
 Real Estate Loans 1,623,053
 Unsecured Loans 751,647
 Other Loans 8,999,680
 TOTAL LOANS 11,374,380
 (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) -33,918
 Land And Building 1,200,613
 Other Fixed Assets 127,331
 NCUSIF Deposit 101,447
 All Other Assets 83,583
  TOTAL ASSETS 17,243,509
LIABILITIES & CAPITAL:  
 Dividends Payable 0
 Notes & Interest Payable 0
 Accounts Payable & Other Liabilities 39,571
 Uninsured Secondary Capital and Subordinated Debt Included in Net Worth 0
 Share Drafts 546,399
 Regular shares 5,654,650
 All Other Shares & Deposits 9,006,573
  TOTAL SHARES & DEPOSITS 15,207,622
  TOTAL LIABILITIES 15,247,193
 Regular Reserve 119,283
 Other Reserves 0
 Undivided Earnings 1,877,033
  TOTAL EQUITY 1,996,316
  TOTAL LIABILITIES, SHARES, & EQUITY 17,243,509
INCOME & EXPENSE  
 Loan Income 131,348
 Investment Income 430
 Other Income 6,071
 Total Employee Compensation & Benefits 53,153
 NCUSIF Premiums Expense 0
 Total Other Operating Expenses 67,162
 Non-operating Income & (Expense) 0
 NCUSIF Stabilization Income N/A
 Provision for Loan/Lease Losses or Total Credit Loss Expense -3,017
 Cost of Funds 29,554
 NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM N/A
Net Income (Loss) 2,658
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