Federal credit union · Pine Bluff, Arkansas · NCUA charter #11045
PBA
Health score 88/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 88
- Health / 100
- $11.0M
- Total assets
- 962
- Members
- 30.3%
- Net-worth ratio
PBA scores 88/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $11.0M; members 962; net-worth ratio 30.27%; health rank #1,365 of 4,374; healthier than 65th of scored peers.
NCUA Call Report stamp band
NCUA 5300 Call Report Masthead
#1,365 of 4,374 health · 2025Q4PBA · health 88/100 · $11.0M · 2025Q4
Call Report peers
PBA in the assets neighbourhood
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PBA vs every NCUA-scored credit union
PBA sits in the busiest band, 85-89, alongside 857 other credit unions.
88 Top 35% higher than 65% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
PBA vs $10M–$50M peers
- Loan-to-Share Ratio leads the peer set - 93.80% here, 59.80% peer average (+34.00 pp).
- Largest lag: Return on Assets at 0.23% vs peer 0.70% (-0.47 pp).
PBA: in-state Call Report ranks
- Health composite ranks #11 of 48 among scored Arkansas credit unions.
- Arkansas assets place: #30 of 48.
- Membership ranks #36 of 48 among Arkansas CUs with a reported count (962 members).
- One place up in Arkansas, SUCCESS (#10) scores 89/100, 1 point higher; one place down, Arkansas Kraft Employees (#12) ties at 88/100.
PBA Call Report trajectory
PBA: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -0.6% from $11.0M (2025Q4) to $11.0M (2026Q1).
- Net-worth ratio shifted -0.09 pp (30.36% → 30.27%).
At 30.27%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 88/100 score is built
PBA gives up 12 points in total. Return on Assets costs the most, 4 of its 15; Net Worth Ratio scores full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.9 pts
- Return on Assets 11.0 pts
- Member Growth 12.1 pts
- Loan-to-Share Ratio 13.0 pts
PBA health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 30.27% | +15.41 pp |
| Delinquency Rate | 0.81% | -0.33 pp |
| Return on Assets | 0.23% | -0.47 pp |
| Member Growth | 2.56% | - |
| Loan-to-Share Ratio | 93.80% | +34.00 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
PBA filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $11.0M | - |
| 2025Q4 | $11.0M | 962 |
| 2024Q4 | $11.4M | 938 |
| 2023Q4 | $10.8M | 959 |
Credit Union Details
- Charter Number
- 11045
- Type
- Federal
- Field of Membership
- Other
- Peer Group
- $10M–$50M
- State
- Arkansas
- City
- Pine Bluff
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, PBA runs 3 offices in 3 different cities across 2 states.
| Office | City |
|---|---|
| PBA Federal Credit Union (Main Office) | Pine Bluff, AR |
| Dillards Federal Credit Union | North Little Rock, AR |
| DATA SYSTEMS OF TEXAS | Waco, TX |
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
Similar total assets
Using this data
- PBA ranks #1,365 of 4,374 nationally on financial health and #11 of 48 in AR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Fort Smith Teachers is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Fort Smith Teachers
Frequently Asked Questions
Is PBA financially healthy?
PBA has a financial health score of 88/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,365 of 4,374 nationally on health and #11 of 48 in Arkansas. Its net worth ratio is 30.27% and its delinquency rate 0.81%.
How does PBA compare to other credit unions?
PBA scores 88/100, higher than 65% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (93.80% vs 59.80%). Its widest shortfall is return on assets (0.23% vs 0.70%).
How can I join PBA?
Membership eligibility for PBA depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact PBA directly for current membership requirements and application steps.
Is my money safe at PBA?
PBA is a federal credit union; its shares are federally 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. PBA's net worth ratio of 30.27% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.