RIVER TOWN
Charter #24257 · FORT SMITH, AR · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Return on average assets of -1.53% sits at the 5th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.06% ranks in the 11th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 127.70% sits at the 97th percentile of structural peers — worth a closer look.
- On Loan-to-share, the asset-size band puts this credit union at the 80th percentile but its structural peers at the 52nd — a 28-point gap showing why the peer definition matters.
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.
| Metric | RIVER TOWN | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $13.79M | 16th pct | 43th pct |
| Members | 2,380 | 60th pct | 62th pct |
| Net worth ratio | 14.96% | 59th pct | 59th pct |
| Return on average assets | -1.53% | 4th pct | 5th pct |
| Net interest margin | 4.43% | 75th pct | 49th pct |
| Cost of funds | 0.57% | 36th pct | 28th pct |
| Loan-to-share | 76.80% | 80th pct | 52th pct |
| Delinquency 60+ days | 0.06% | 17th pct | 11th pct |
| Net charge-off ratio | 0.04% | 41th pct | 36th pct |
| Loan growth YoY | -8.99% | 10th pct | 5th pct |
| Share growth YoY | -1.84% | 14th pct | 20th pct |
| Efficiency ratio | 127.70% | 98th pct | 97th pct |
structural peer set hash: 6a0383d0d014ba5ac56ac8ed8d0169dd… (reproducible)
Closest structural peers
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.