Credit union · NCUA insured
Two Rivers Credit Union
A $13.8M credit union headquartered in Arkadelphia, AR, with 1,389 members and 1 branch in Arkansas.
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Two Rivers Credit Union
Founded in 1970, Two Rivers Federal Credit Union is a member-owned credit union headquartered in Arkadelphia, Arkansas.
The credit union serves Arkadelphia and surrounding communities.
- Headquarters
- 204 N 10th St, Arkadelphia, AR 71923-5029
- NCUA charter
- 20114
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Employers and groups
- Membership is open to individuals affiliated with Arkadelphia Human Development Center.
- Membership is open to individuals affiliated with Arkadelphia Alliance & Area Chamber of Commerce.
- Membership is open to individuals affiliated with Dawson CO-OP.
Military, government and schools
- Membership is open to individuals affiliated with Arkadelphia Public Schools.
- Membership is open to individuals affiliated with Bismarck Public Schools.
- Membership is open to individuals affiliated with Henderson State University.
1 more way to join
Military, government and schools
- Membership is open to individuals affiliated with Ouachita Baptist University.
Branches
1 branch in Arkansas
Loading map…
Arkansas
1 branch
- Two Rivers FCUMain office204 N 10th St, Arkadelphia, AR 71923Directions
Walk-in offices from the NCUA directory as of June 30, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 12.11% | 14.31% | 19.38% or more |
| Troubled loans60+ days late | 3.89% | 0.70% | 0.18% or less |
| ProfitabilityReturn on assets | -2.39% | 0.65% | 1.19% or more |
| LendingLoans per $100 deposited | $79 | $59 | — |
- CapitalNet worth ratio12.11%Peers’ middle 14.31% · Top 25% 19.38%+
- Troubled loans60+ days late3.89%Peers’ middle 0.70% · Top 25% ≤0.18%
- ProfitabilityReturn on assets-2.39%Peers’ middle 0.65% · Top 25% 1.19%+
- LendingLoans per $100 deposited$79Peers’ middle $59
Compared with the 2,478 credit unions with under $100 million in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Two Rivers Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.