Pine

PINE BLUFF, AR · 1 · Charter #12601 · www.pinefcu.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$62.8M
14th percentile
Members
4,802
22th percentile
Total loans
$31.0M
16th percentile
Total shares
$47.7M
7th percentile

Profitability

Return on assets
1.62%
82th percentile
Net interest margin
4.29%
83th percentile
Efficiency ratio
54.01%
75th percentile
Non-interest income ratio
11.49%
22th percentile

Capital & Risk

Net worth ratio
23.96%
98th percentile
Delinquency rate
2.51%
6th percentile
Net charge-off rate
0.65%
22th percentile
Loan-to-share
65.02%
45th percentile

Growth

Member growth YoY
-3.36%
21th percentile
Asset growth YoY
1.60%
31th percentile
Loan growth YoY
-5.13%
17th percentile
Share growth YoY
0.42%
26th percentile

Operations

Members / branch
2,401
33th percentile
Assets / member
$13,080
39th percentile
Field of membership penetration
64.89%
95th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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