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
- CAMELS 88/100
- HEALTH 30.3%
- NW 0.81%
- DELQ 0.23%
- ROA $11.0M
- ASSETS 962
- MEM #1,365/4,374
- RANK Star Tech
- PHOTO 11045
Call Report peers
PBA in the assets neighbourhood
PBA's $11.0M assets sit next to Star Tech ($11.0M) 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.
PBA 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
88 Top 35% higher than 65% 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
PBA - Share Insurance Coverage
Charter #11045'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.
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).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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).
In-state ordinals use the live credit_unions table for AR only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
PBA Call Report trajectory
PBA: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -0.6% from $11.0M (2025Q4) to $11.0M (2026Q1).
- Net-worth ratio shifted -0.09 pp (30.36% → 30.27%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 88.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Two NCUA Call Report peer sets for PBA, both outside Arkansas so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($11.0M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (88/100 here).
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
- 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 PBA financially healthy?
PBA scores 88/100 (Excellent) on financial health, per the NCUA 5300 Call Report for Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #1,365 of 4,374; by total assets it ranks #3,510 of 4,374 nationally (same basis as /rankings/largest); and #30 of 48 within Arkansas. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 30.27% net worth ratio and a 0.81% delinquency rate.
How does PBA compare to other credit unions?
On PlainCU's health composite, PBA lands at 88/100, compared to a peer group average for $10M–$50M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (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 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?
Federal credit unions like PBA 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. PBA's net worth ratio of 30.27% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does PBA offer compared to banks?
Credit unions like PBA 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 PBA 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.