Federal credit union · PINE BLUFF, Arkansas · NCUA charter #12601
Pine
Health score 71/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $62.8M
- Total assets
- 4,802
- Members
- 24.0%
- Net-worth ratio
Pine - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #12601, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Pine - Five Health Pillars
Every bar shows this credit union's 0-100 sub-score for one pillar of the composite; weight and add the five and you land on the headline health score above, drawn from the same NCUA 5300 figures with no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)37
- Earnings (ROA)100
- Member growth20
- Liquidity (loan-to-share)93
Weighted composite: 71/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 23.96%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 23.96% | 30% |
| Delinquency Rate | 2.51% | 25% |
| Return on Assets | 1.32% | 15% |
| Member Growth | -3.36% | 15% |
| Loan-to-Share Ratio | 65.02% | 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 | $62.8M | 4,802 |
| 2024Q4 | $61.8M | 4,969 |
| 2023Q4 | $57.4M | 5,029 |
Credit Union Details
- Charter Number
- 12601
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $50M–$100M
- State
- Arkansas
- City
- PINE BLUFF
- Data Quarter
- 2025Q4
What This Data Says About Pine
4,802 members and $62.8M in total assets sit behind Pine, a federal credit union in PINE BLUFF, Arkansas, which posts a health score of 71/100 (Very Good) on the five-factor composite, with $31.0M in outstanding loans as of Q4 2025 and a net worth ratio of 23.96% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. The credit union operates under charter #12601 in peer group $50M–$100M, a cohort of 584 similarly-sized institutions.
Loan book quality rounds out the picture. The delinquency rate of 2.51% measures loans 60+ days past due against total loans outstanding - the peer group average for $50M–$100M credit unions sits at 0.963%, so this institution is running looser than peers. The loan-to-share ratio of 65.02% indicates how aggressively member deposits are being deployed into lending, within the 60-80% range most industry analysts consider optimally balanced between yield and liquidity. Return on assets stands at 1.32% on net income of $831K 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 -3.36%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Community) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
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 Pine financially healthy?
A 23.96% net worth ratio and a 2.51% delinquency rate feed into Pine's financial health score of 71/100 (Very Good), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Pine compare to other credit unions?
PlainCU's health composite puts Pine at 71/100, compared to a peer group average for $50M–$100M credit unions. It's a weighted blend of five NCUA-reported figures: net worth ratio (30% of the score), 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 Pine?
Pine 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 Pine directly for the exact boundaries and application steps.
Is my money safe at Pine?
Federal credit unions like Pine 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. Pine's net worth ratio of 23.96% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Pine offer compared to banks?
Credit unions like Pine 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 Pine 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.