Federal credit union · PINE BLUFF, Arkansas · NCUA charter #12601
PINE
Health score 71/100, grade B (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 71
- Health / 100
- $62.8M
- Total assets
- 4,802
- Members
- 24.2%
- Net-worth ratio
PINE scores 71/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $62.8M; members 4,802; net-worth ratio 24.22%; health rank #3,510 of 4,374; healthier than 18th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#3,510 of 4,374 health · 2025Q4PINE · health 71/100 · $62.8M · 2025Q4
Call Report peers
PINE in the assets neighbourhood
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PINE vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); PINE sits in 70-74 with 317 others.
71 18th percentile higher than 18% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
Peer-gap read for PINE
- Net Worth Ratio leads the peer set - 24.22% here, 13.62% peer average (+10.60 pp).
- Largest lag: Delinquency Rate at 2.51% vs peer 0.96% (+1.55 pp).
PINE in Arkansas
- Arkansas health ordinal: #38 of 48.
- By total assets, PINE is #14 of 48 in Arkansas.
- Member book place in Arkansas: #17 of 48.
- One place up in Arkansas, Cooperative Extension Service (#37) scores 72/100, 1 point higher; one place down, Garland County Educators (#39) ties at 71/100.
Quarter path for PINE
PINE: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +0.3% from $62.8M (2025Q4) to $63.0M (2026Q1).
- Net-worth ratio shifted +0.26 pp (23.96% → 24.22%).
At 24.22%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 71/100 score is built
PINE gives up 29 points in total. Delinquency Rate costs the most, 15.7 of its 25; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 9.3 pts
- Return on Assets 15.0 pts
- Member Growth 3.0 pts
- Loan-to-Share Ratio 13.7 pts
Call Report ratios for PINE
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 24.22% | +10.60 pp |
| Delinquency Rate | 2.51% | +1.55 pp |
| Return on Assets | 1.32% | +0.66 pp |
| Member Growth | -3.36% | - |
| Loan-to-Share Ratio | 65.02% | +2.42 pp |
Peer averages: $50M–$100M cohort, 584 credit unions, 2025Q4 filing.
PINE filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $63.0M | - |
| 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
Branch Locations (3)
Per its most recent NCUA branch filing, PINE runs 3 offices in 3 different cities across 2 states.
| Office | City |
|---|---|
| PineFCU - Main Office (Main Office) | Pine Bluff, AR |
| FiServ | Frisco, TX |
| PineFCU - Branch Office | Sheridan, 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
Using this data
- PINE ranks #3,510 of 4,374 nationally on financial health and #38 of 48 in AR -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- River Valley Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with River Valley Community
Frequently Asked Questions
Is PINE financially healthy?
PINE has a financial health score of 71/100 (Very Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #3,510 of 4,374 nationally on health and #38 of 48 in Arkansas. Its net worth ratio is 24.22% and its delinquency rate 2.51%.
How does PINE compare to other credit unions?
PINE scores 71/100, higher than 18% of the 4,374 scored credit unions. Against the 584 peers in the $50M–$100M cohort, its widest edge is net worth ratio (24.22% vs 13.62%). Its widest shortfall is delinquency rate (2.51% vs 0.96%).
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?
PINE 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. PINE's net worth ratio of 24.22% 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.