Compared with Arkansas
9 of 17
compared fees are above the median.
2 below, 6 about the same.
About the same: within 1% of the median.
Total assets
Q2 2026, quarter end
NCUA 5300 call report · Jun 30, 2026
Revenue
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee income
Q2 2026, one quarter
NCUA 5300 call report · Jun 30, 2026
Fee-income share of revenue
93rd percentile; peer median 7.2%
NCUA 5300 call report · year to date through Jun 30, 2026
Fees above the Arkansas median
of 17 compared; 2 below, 6 about the same
See the feesFee schedule read Oct 3, 2026
Call-report figures are for Two Rivers Federal Credit Union, from NCUA 5300 call reports. Revenue is interest income plus noninterest income.
| Metric | Measure and calculation | Source and fields | Period | Retrieved |
|---|---|---|---|---|
| Total assets | Total assets at quarter end Point in time, at quarter end | NCUA 5300 call report Account 010 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Revenue | Revenue (interest + noninterest income) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 115 + Account 117 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee income | Fee income (NCUA 5300 Account 131) Standalone quarter: year to date less the prior quarter (Q1 as filed) | NCUA 5300 call report Account 131 | Q2 2026 Quarter ended Jun 30, 2026 | Oct 20, 2026 |
| Fee-income share of revenue | Fee income (NCUA 5300 Account 131) divided by revenue (interest + noninterest income) Year to date through the quarter. Median and percentile from each of 2,932 credit unions with under $300M in assets reporting a share above 0%, this one left out. | NCUA 5300 call report Account 131 / (Account 115 + Account 117) | Q2 2026 Year to date | Not recorded |
| Fees above the Arkansas median | Published fees above the Arkansas median for the same fee Within 1% of the median counts as about the same. Business-only fees are left out. | Two Rivers Federal Credit Union's published fee schedule; Bank Fee Index medians | Current schedule | Oct 3, 2026 |
Fee income by quarter
Q1 2024 to Q2 2026, standalone quarters
Fee income was 19% of revenue, above the 7.2% median of 2,932 credit unions with under $300M in assets (93rd percentile).
Not established: The share alone does not show whether prices, account volumes or the size of the revenue base set it.
Fee income was $31K in Q2 2026, about level with the same quarter a year earlier ($31K).
Not established: Two quarters a year apart are two observations, not an established trend in fee income.
9 of 17 compared published fees sit above the Arkansas median; 2 below.
Not established: Published prices do not show how often a fee is charged or waived, so they do not size its share of income.
Comparison with Arkansas medians for fees published by banks and credit unions.
Overdraft (OD)
NSF / Returned Item
Wire Transfer (Domestic Out)
Each amount links to the fee schedule it was read from. Medians for Arkansas, the St. Louis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Fee income fell 39% from Q3 2025 to Q2 2026, to $31K. Its share of revenue, 19%, is above the 7.2% median for credit unions with under $300M in assets.
$31K
Two Rivers Federal Credit UnionMedian
NCUA 5300 call reports, credit union level, standalone quarters. Four quarters are too few to call a trend.
Share of revenue: median of 2,932 credit unions with under $300M in assets, Q2 2026.
Fees from each institution’s own schedule against Bank Fee Index medians, not weighted by revenue.
Two Rivers Federal Credit Union · $14M in assets
The 25 credit unions closest in assets
Credit unions of similar size, for comparing published prices. Not local competitors: they're spread over 20 states.
| Institution | City, state | Assets | Maintenance | ATM | Domestic wire | Intl. wire | Overdraft |
|---|---|---|---|---|---|---|---|
| Two Rivers Federal Credit Union(this institution) | Arkadelphia, AR | $14M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Acadiana Medical Federal Credit Union | Lafayette, LA | $14M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Atchison Village Federal Credit Union | Richmond, CA | $13M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Overdraft not published |
| Blaw-Knox Federal Credit Union | Mattoon, IL | $13M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Cherokee County Teachers Federal Credit Union | Rusk, TX | $14M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Connecticut Labor Dept Federal Credit Union | Wethersfield, CT | $14M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Derry Area Federal Credit Union | Derry, PA | $14M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Fasson Employees Federal Credit Union | Painesville, OH | $14M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Georgetown University Alumni And St Federal Credit Union | Washington, DC | $14M | Monthly maintenance not published | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Publishes Overdraft |
| Greater Kinston Federal Credit Union | Kinston, NC | $14M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Hialeah Municipal Employees Federal Credit Union | Hialeah, FL | $14M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Overdraft not published |
| I B E W 175 Federal Credit Union | Chattanooga, TN | $14M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Local 1233 Federal Credit Union | Newark, NJ | $14M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Local 24 Employees Federal Credit Union | Pasadena, TX | $14M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Mississippi Highway Safty Pat Federal Credit Union | Jackson, MS | $13M | Monthly maintenance not published | Publishes Out-of-network ATM | Domestic wire not published | International wire not published | Publishes Overdraft |
| Morris Sheppard Texarkana Federal Credit Union | Texarkana, TX | $13M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Northeast Nebraska Federal Credit Union | Norfolk, NE | $14M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| P C Federal Credit Union | Port Allegany, PA | $14M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
| Quaker Oats Federal Credit Union | Cedar Rapids, IA | $13M | Publishes Monthly maintenance | Publishes Out-of-network ATM | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| Spojnia Federal Credit Union | Scranton, PA | $14M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | International wire not published | Publishes Overdraft |
| St Joe Valley Federal Credit Union | St Maries, ID | $14M | Publishes Monthly maintenance | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Teamsters Federal Credit Union | Blaine, MN | $13M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| United Association Federal Credit Union | Concord, CA | $14M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| United Hospital Center Federal Credit Union | Bridgeport, WV | $13M | Monthly maintenance not published | Out-of-network ATM not published | Publishes Domestic wire | Publishes International wire | Overdraft not published |
| Valdosta Teachers Federal Credit Union | Valdosta, GA | $13M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Publishes Overdraft |
| Wilmington Police & Fire Federal Credit Union | Wilmington, DE | $14M | Monthly maintenance not published | Out-of-network ATM not published | Domestic wire not published | International wire not published | Overdraft not published |
✓ publishes the fee. – not published.
25 peers selected · 11 publish this fee(domestic wire)
14 don't publish it: shown as not published, never as zero.
Peer pricing snapshot
Its published price is $25, against a peer median of $25 among 11 publishing peers.
This describes published pricing only. Account mix, waivers and actual fee revenue are not represented.
Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026.
Domestic wire fee in dollars, one mark per institution
Against this institution's domestic wire fee
Hamilton is the Fee Insight workspace for pricing teams.
Source: Bank Fee Index, published fee schedules, as of Nov 1, 2026. Total assets from FDIC and NCUA records.
Call reports for Two Rivers Federal Credit Union (credit union). Income lines are standalone quarters.
Fee income
Q3 2024 to Q2 2026, standalone quarters · 66 quarters on file
| Quarter | Amount | Change | % |
|---|---|---|---|
| Q2 2026 | $31K | −$17K | −35.4% |
| Q1 2026 | $48K | +$1K | +2.1% |
| Q4 2025 | $47K | −$4K | −7.8% |
| Q3 2025 | $51K | +$20K | +64.5% |
| Q2 2025 | $31K | +$8K | +34.8% |
| Q1 2025 | $23K | +$2K | +9.5% |
| Q4 2024 | $21K | +$1K | +5.0% |
| Q3 2024 | $20K | +$2K | +11.1% |
Financial cohort: 3,250 credit unions with under $300M in assets filing for Q2 2026; 2,932 reported a share above 0% and are counted, Two Rivers Federal Credit Union left out. Chosen by asset size alone, so it is a financial benchmark, not a list of local competitors.
The 15 closest to Two Rivers Federal Credit Union by share.
Amounts from Two Rivers Federal Credit Union’s own schedules, with a source for each figure.
vs. the U.S. middle 50%:BelowInsideAbove
per hour
per hour
per item
per item
per item
per item
per item
per item
per item
per item
| Fee | Amount | Basis | Note |
|---|---|---|---|
Account Maintenance | |||
| Minimum Balance Fee | $10Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Dormant Account Fee | $5Inside the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Account Reconciliation | $10Not compared: Charged per hour; comparison unavailable | per hour | None |
| Account Research | $10Not compared: Charged per hour; comparison unavailable | per hour | None |
| Paper Statement Fee | $5Above the U.S. middle 50% ($2 to $4.99 nationally) | Not stated | None |
| Returned Mail Fee | $5Not compared: Per-item charge, not monthly | per item | None |
Overdraft & NSF | |||
| Courtesy Pay Fee | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Debit Card Overdraft Fee | $35Above the U.S. middle 50% ($25 to $33 nationally) | Not stated | None |
| Overdraft (NSF) Fee | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Paid NSF Item | $35Above the U.S. middle 50% ($25 to $33 nationally) | per item | None |
| Returned ACH/Check | $35Above the U.S. middle 50% ($25 to $32 nationally) | per item | None |
| Overdraft Transfer | $35Above the U.S. middle 50% ($2 to $5 nationally) | per item | None |
ATM & Card | |||
| Replacement Debit Card | $25Above the U.S. middle 50% ($5 to $10 nationally) | Not stated | None |
| Card Rush Order | $80Above the U.S. middle 50% ($30 to $50 nationally) | one time | For mailed cards |
Wire Transfers | |||
| Domestic Wire (Outgoing) | $25Inside the U.S. middle 50% ($20 to $25 nationally) | Not stated | None |
| Domestic Wire (Incoming) | $15Inside the U.S. middle 50% ($5 to $15 nationally) | Not stated | None |
Check Services | |||
| ACH Stop Payment | $35Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
| Stop Payment | $35Above the U.S. middle 50% ($20 to $30 nationally) | per item | None |
Digital & Electronic | |||
| Same Day ACH | $5Inside the U.S. middle 50% ($5 to $15 nationally) | per item | None |
Cash & Deposit | |||
| Deposit Item Return Fee | $15Inside the U.S. middle 50% ($9 to $25 nationally) | per item | None |
Account Services | |||
| Notary Service | No chargeInside the U.S. middle 50% ($0 to $5 nationally) | Not stated | None |
Lending Fees | |||
| Late Payment Fee (audience not stated, treated as personal) | 5% | Not stated | None |
| UCC Filing Fee | $25Inside the U.S. middle 50% ($20.15 to $96.25 nationally) | Not stated | None |
Other Fees | |||
| Statement Copy | $5Inside the U.S. middle 50% ($2 to $5 nationally) | Not stated | None |
| Loan Refinance Fee | $35Inside the U.S. middle 50% ($20 to $37.50 nationally) | Not stated | None |
Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided
Oct 3, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.
Where Two Rivers Federal Credit Union operates, and what regulators and customers have on file.
Branch footprint
2 offices in 1 state (June 30, 2026)
Each dot is one office.
Cities with the most offices
| Arkadelphia, AR | 2 |
Largest competitors nearby
Local market: Clark county, AR, around its headquarters.
| 9 in its local market | Deposit share |
|---|---|
| Southern Bancorp Bank | 58.6% |
| Bank OZK | 14.7% |
| The Citizens Bank | 7.5% |
| U.S. Bank National Association | 4.5% |
| Chambers Bank | 4.2% |
Source: NCUA credit union branch file, quarter ending June 30, 2026. NCUA does not report deposits by office.
Fee change alerts
We check once a day and send one email covering every change.