Federal credit union · Hattiesburg, Mississippi · NCUA charter #4799
Pine Belt
Health score 80/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 80
- Health / 100
- $13.2M
- Total assets
- 1,569
- Members
- 26.8%
- Net-worth ratio
Pine Belt scores 80/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $13.2M; members 1,569; net-worth ratio 26.80%; health rank #2,676 of 4,374; healthier than 36th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#2,676 of 4,374 health · 2025Q4Pine Belt · health 80/100 · $13.2M · 2025Q4
- ASSETS 80/100
- MEM 26.8%
- RANK 0.88%
- PHOTO 0.04%
- BOOK $13.2M
- CHARTER 1,569
- NCUSIF #2,676/4,374
- CAMELS Dixie Line
- HEALTH 4799
Call Report peers
Pine Belt in the assets neighbourhood
Pine Belt's $13.2M assets sit next to Dixie Line ($13.2M) 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.
Pine 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
80 36th percentile higher than 36% 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
Pine Belt - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #4799. See our deposit-insurance coverage note.
Where Pine Belt diverges from peer averages
- Largest favorable gap: Loan-to-Share Ratio at 98.76% vs peer 59.80% (+38.96 pp).
- Largest lag: Return on Assets at 0.04% vs peer 0.70% (-0.67 pp).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Mississippi standing for Pine Belt
- Health composite ranks #30 of 55 among scored Mississippi credit unions.
- By total assets, Pine Belt is #31 of 55 in Mississippi.
- Mississippi membership ordinal: #38 of 55.
In-state ordinals use the live credit_unions table for MS only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
Quarter path for Pine Belt
Pine Belt: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +6.1% from $13.2M (2025Q4) to $14.1M (2026Q1).
- Net-worth ratio shifted -1.70 pp (28.50% → 26.80%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
26.80% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 80/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 80.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 21.2 pts
- Return on Assets 6.1 pts
- Member Growth 11.3 pts
- Loan-to-Share Ratio 11.4 pts
Pine Belt vs peer ratios
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 26.80% | +11.94 pp |
| Delinquency Rate | 0.88% | -0.26 pp |
| Return on Assets | 0.04% | -0.67 pp |
| Member Growth | 1.88% | - |
| Loan-to-Share Ratio | 98.76% | +38.96 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).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $14.1M | - |
| 2025Q4 | $13.2M | 1,569 |
| 2024Q4 | $12.8M | 1,540 |
| 2023Q4 | $13.1M | 2,243 |
Credit Union Details
- Charter Number
- 4799
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Mississippi
- City
- Hattiesburg
- Data Quarter
- 2025Q4
Branch Locations (3)
Per its most recent NCUA branch filing, Pine Belt runs 3 offices in 3 different cities across 2 states.
| Office | City |
|---|---|
| Pine Belt Federal Credit Union (Main Office) | Hattiesburg, MS |
| Deda Sphere | Memphis, TN |
| New Augusta | New Augusta, MS |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Mississippi
A look at other Mississippi credit unions, ranked by how closely their peer group and asset size match this one.
Nationwide credit unions with similar profiles
Two NCUA Call Report peer sets for Pine Belt, both outside Mississippi 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 ($13.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (80/100 here).
Using this data
- Pine Belt ranks #2,676 of 4,374 nationally on financial health and #30 of 55 in MS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- N. Mississippi Health Services Emp. is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with N. Mississippi Health Services Emp.
- Rates and health both vary by institution, not just by state -- see how Mississippi credit unions compare overall before assuming this one is typical. Mississippi 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 Pine Belt financially healthy?
Pine Belt has a financial health score of 80/100 (Excellent) based on NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #2,676 of 4,374; by total assets it ranks #3,397 of 4,374 nationally (same basis as /rankings/largest); and #31 of 55 within Mississippi. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 26.80% and delinquency rate of 0.88%.
How does Pine Belt compare to other credit unions?
Pine Belt scores 80/100 on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions. The score is based on five NCUA-reported metrics: net worth ratio (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 Pine Belt?
Pine 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 Pine Belt directly for the exact boundaries and application steps.
Is my money safe at Pine Belt?
Federal credit unions like Pine 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. Pine Belt's net worth ratio of 26.80% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Pine Belt offer compared to banks?
Credit unions like Pine 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 Pine 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.