Cotton Belt
Pine Bluff, AR · Charter 1245 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$70.0MAssets
$53.5MLoans
$56.0MShares
$11.9MNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 91% of credit unions under $1B in assets (rank 144 of 1683).
- Widest gap: nonperforming loans / loans trails 96% of credit unions under $1B in assets (rank 1624 of 1682).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.16%
Rank 438 of 1,683
Net Interest Margin
5.00%
Rank 144 of 1,683
Efficiency Ratio
75.75%
Rank 709 of 1,682
Equity / Assets
17.03%
Rank 389 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.16% | 0.35% | 0.74% | 1.18% | Beats 74% | 438 / 1,683 | | |
| Return on Equity | 6.81% | 2.67% | 5.89% | 8.74% | Beats 59% | 690 / 1,681 | | |
| Net Interest Margin | 5.00% | 3.31% | 3.82% | 4.32% | Beats 91% | 144 / 1,683 | | |
| Efficiency Ratio | 75.75% | 68.91% | 78.20% | 86.93% | Beats 58% | 709 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 4.73% | 0.26% | 0.65% | 1.29% | Beats 4% | 1,624 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 17.03% | 10.44% | 12.89% | 16.53% | Beats 77% | 389 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 17.03% | 10.44% | 12.89% | 16.53% | Beats 77% | 389 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 95.56% | 52.61% | 69.38% | 83.50% | 94th pctl | 105 / 1,683 | | |
| Loans / Assets | 76.47% | 44.71% | 59.18% | 70.72% | 86th pctl | 236 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |