Federal credit union · PINE BLUFF, Arkansas · NCUA charter #1245
Cotton Belt
Health score 60/100 (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 60
- Health / 100
- $72.7M
- Total assets
- 5,766
- Members
- 15.0%
- Net-worth ratio
Cotton Belt - Share Insurance Coverage
Charter #1245's composite supervisory bracket and risk-based capital, as reported in the 2025Q4 NCUA Call Report. See our deposit-insurance coverage note for how NCUSIF protection works.
Cotton Belt - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)0
- Earnings (ROA)100
- Member growth35
- Liquidity (loan-to-share)65
Weighted composite: 60/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
This credit union's 14.98% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 14.98% | 30% |
| Delinquency Rate | 5.42% | 25% |
| Return on Assets | 0.77% | 15% |
| Member Growth | -2.06% | 15% |
| Loan-to-Share Ratio | 101.98% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $72.7M | 5,766 |
| 2024Q4 | $68.9M | 5,887 |
| 2023Q4 | $70.8M | 5,960 |
Credit Union Details
- Charter Number
- 1245
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Arkansas
- City
- PINE BLUFF
- Data Quarter
- 2025Q4
What This Data Says About Cotton Belt
Charter #1245, peer group $50M–$100M, a cohort of 584 similarly-sized institutions: that's Cotton Belt, a federal credit union in PINE BLUFF, Arkansas with 5,766 members, $72.7M in total assets, and $56.5M in outstanding loans as of Q4 2025. The five-factor composite scores it 60/100 (Good), helped by a net worth ratio of 14.98% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
5.42% of the loan book sits 60+ days past due, the headline loan-quality read - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers. Deposit deployment is captured by the 101.98% loan-to-share ratio, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 0.77% on net income of $558K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by -2.06%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Community). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.
Nearby Credit Unions in Arkansas
Other federally-insured credit unions in Arkansas, closest first by peer group and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Cotton Belt financially healthy?
Based on NCUA 5300 Call Report data as of Q4 2025, Cotton Belt carries a financial health score of 60/100 (Good). On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 14.98% net worth ratio and a 5.42% delinquency rate.
How does Cotton Belt compare to other credit unions?
60/100 is Cotton Belt's score on PlainCU's health composite, compared to a peer group average for $50M–$100M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Cotton Belt?
Cotton Belt operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Cotton Belt directly for the exact boundaries and application steps.
Is my money safe at Cotton Belt?
Federal credit unions like Cotton Belt are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Cotton Belt's net worth ratio of 14.98% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Cotton Belt offer compared to banks?
Credit unions like Cotton Belt are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Cotton Belt directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.