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
Call Report peers
Pine Belt in the assets neighbourhood
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
The busiest band is 85-89 (858 credit unions); Pine Belt sits in 80-84 with 767 others.
80 36th percentile higher than 36% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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.
- One place up in Mississippi, Gulf Trust (#29) scores 81/100, 1 point higher; one place down, CENTURYFIRST (#31) ties at 80/100.
Quarter path for Pine Belt
Pine Belt: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +6.1% from $13.2M (2025Q4) to $14.1M (2026Q1).
- Net-worth ratio shifted -1.70 pp (28.50% → 26.80%).
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
Pine Belt gives up 20 points in total. Return on Assets costs the most, 8.9 of its 15; Net Worth Ratio scores full marks.
- 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 |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
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
Similar total assets
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.
Frequently Asked Questions
Is Pine Belt financially healthy?
On its 2025Q4 NCUA 5300 filing, Pine Belt scores 80/100 (Excellent), with a 26.80% net worth ratio and 0.88% of loans delinquent. It ranks #2,676 of 4,374 nationally on health and #30 of 55 in Mississippi.
How does Pine Belt compare to other credit unions?
Pine Belt scores 80/100, higher than 36% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (98.76% vs 59.80%). Its widest shortfall is return on assets (0.04% vs 0.70%).
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?
Pine Belt 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 Belt's net worth ratio of 26.80% 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.