Federal credit union · PINE BLUFF, Arkansas · NCUA charter #1245
Cotton Belt
Health score 60/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 60
- Health / 100
- $72.7M
- Total assets
- 5,766
- Members
- 16.3%
- Net-worth ratio
Cotton Belt scores 60/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $72.7M; members 5,766; net-worth ratio 16.33%; health rank #4,055 of 4,374; healthier than 7th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#4,055 of 4,374 health · 2025Q4Cotton Belt · health 60/100 · $72.7M · 2025Q4
- ASSETS 60/100
- MEM 16.3%
- RANK 5.42%
- PHOTO 0.77%
- BOOK $72.7M
- CHARTER 5,766
- NCUSIF #4,055/4,374
- CAMELS Health Care Family
- HEALTH 1245
Call Report peers
Cotton Belt in the assets neighbourhood
Cotton Belt's $72.7M assets sit next to Health Care Family ($72.7M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Cotton Belt vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
60 7th percentile higher than 7% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
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.
Where Cotton Belt diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 101.98% vs peer 62.60% (+39.38 pp).
- Delinquency Rate trails the peer set - 5.42% here, 0.96% peer average (+4.46 pp).
Peer averages are NCUA 5300 means for the $50M–$100M cohort (584 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Cotton Belt: in-state Call Report ranks
- Health composite ranks #45 of 48 among scored Arkansas credit unions.
- Arkansas assets place: #11 of 48.
- Arkansas membership ordinal: #14 of 48.
In-state ordinals use the live credit_unions table for AR only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Cotton Belt's 5300 filing moved
Cotton Belt: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -3.0% from $72.7M (2025Q4) to $70.5M (2026Q1).
- Net-worth ratio shifted +0.66 pp (15.67% → 16.33%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
This credit union's 16.33% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.
How the 60/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 60.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 5.3 pts
- Loan-to-Share Ratio 9.7 pts
Cotton Belt health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 16.33% | +2.71 pp |
| Delinquency Rate | 5.42% | +4.46 pp |
| Return on Assets | 0.77% | +0.11 pp |
| Member Growth | -2.06% | - |
| Loan-to-Share Ratio | 101.98% | +39.38 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $50M–$100M (584 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $70.5M | - |
| 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
Branch Locations (2)
Per its most recent NCUA branch filing, Cotton Belt runs 2 offices in 2 different cities.
| Office | City |
|---|---|
| Pine Bluff Cotton Belt FCU (Main Office) | Pine Bluff, AR |
| Pine Bluff Cotton Belt FCU-White Hall | White Hall, AR |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Arkansas
Other federally-insured credit unions in Arkansas, closest first by peer group and asset size.
Nationwide credit unions with similar profiles
Cross-state asset and health neighbours for Cotton Belt - kept outside Arkansas; in-state CUs stay in the Nearby block.
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($72.7M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (60/100 here).
Using this data
- Cotton Belt ranks #4,055 of 4,374 nationally on financial health and #45 of 48 in AR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Hurricane Creek is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Hurricane Creek
- Rates and health both vary by institution, not just by state -- see how Arkansas credit unions compare overall before assuming this one is typical. Arkansas state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
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 the national health ranking (same basis as /rankings/healthiest), it sits at #4,055 of 4,374; by total assets it ranks #2,106 of 4,374 nationally (same basis as /rankings/largest); and #11 of 48 within Arkansas. On this scale, above 80 is excellent and below 50 warrants closer monitoring; the two biggest inputs here are a 16.33% 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 16.33% 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.
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.