Innorve

TWO RIVERS

Charter #20114 · Arkadelphia, AR · $10M-$50M

Public 5300 data · as of 2026Q1

What the numbers say

  • Return on average assets of -3.51% sits at the 2nd percentile of structural peers — worth a closer look.
  • Net interest margin of 1.94% sits at the 3rd percentile of structural peers — worth a closer look.
  • Cost of funds of 2.67% sits at the 93rd percentile of structural peers — worth a closer look.
  • Delinquency 60+ days of 2.23% sits at the 85th percentile of structural peers — worth a closer look.
  • Net charge-off ratio of 2.11% sits at the 97th percentile of structural peers — worth a closer look.

Headline ratios vs. peers

Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.

MetricTWO RIVERSAsset-tier percentileStructural percentile
Total assets$14.68M20th pct49th pct
Members1,39921th pct34th pct
Net worth ratio11.75%34th pct36th pct
Return on average assets-3.51%1th pct2th pct
Net interest margin1.94%2th pct3th pct
Cost of funds2.67%97th pct93th pct
Loan-to-share74.45%76th pct54th pct
Delinquency 60+ days2.23%87th pct85th pct
Net charge-off ratio2.11%95th pct97th pct
Loan growth YoY-2.00%54th pct54th pct
Share growth YoY-10.09%1th pct3th pct
Efficiency ratio133.16%99th pct98th pct

structural peer set hash: c0a17e934fa3a86ee00566c921c45687… (reproducible)

Closest structural peers

CALCASIEU PARISH EMPLOYEES62.7%
#18962 · LA
MATERNITY B.V.M.61.5%
#60212 · IL
W T COMMUNITY59.1%
#10859 · OH
ENERGIZE59%
#60994 · OK
WINSLOW SANTA FE57.9%
#63627 · AZ
DEPARTMENT OF PUBLIC SAFETY57.4%
#8890 · OK
This is the free public view

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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.