Pine Belt

Hattiesburg, MS · 1 · Charter #4799 · www.pinebeltfcu.org
Micro (<$50M)Reporting period: Q4 2025Peer group: 1,972 CUs

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$13.2M
50th percentile
Members
1,569
54th percentile
Total loans
$9.3M
63th percentile
Total shares
$8.9M
44th percentile

Profitability

Return on assets
0.33%
28th percentile
Net interest margin
4.70%
76th percentile
Efficiency ratio
79.62%
24th percentile
Non-interest income ratio
24.72%
90th percentile

Capital & Risk

Net worth ratio
28.50%
91th percentile
Delinquency rate
0.88%
45th percentile
Net charge-off rate
0.38%
39th percentile
Loan-to-share
104.62%
95th percentile

Growth

Member growth YoY
1.88%
83th percentile
Asset growth YoY
3.74%
67th percentile
Loan growth YoY
10.33%
89th percentile
Share growth YoY
4.70%
73th percentile

Operations

Members / branch
785
37th percentile
Assets / member
$8,439
43th percentile
Field of membership penetration
8.97%
23th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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