Cotton Belt

PINE BLUFF, AR · 1 · Charter #1245 · www.pbcbcu.org
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
$72.7M
23th percentile
Members
5,766
32th percentile
Total loans
$56.5M
47th percentile
Total shares
$51.9M
13th percentile

Profitability

Return on assets
2.53%
98th percentile
Net interest margin
4.82%
93th percentile
Efficiency ratio
63.70%
47th percentile
Non-interest income ratio
37.66%
98th percentile

Capital & Risk

Net worth ratio
15.67%
80th percentile
Delinquency rate
5.42%
0th percentile
Net charge-off rate
0.82%
15th percentile
Loan-to-share
108.75%
98th percentile

Growth

Member growth YoY
-2.06%
32th percentile
Asset growth YoY
5.45%
63th percentile
Loan growth YoY
9.03%
84th percentile
Share growth YoY
0.12%
24th percentile

Operations

Members / branch
2,883
44th percentile
Assets / member
$12,601
34th percentile
Field of membership penetration
62.78%
94th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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