Pine Bluff Postal
Pine Bluff, AR · Charter 24423 · Peer group: credit unions under $1B in assets (n=1,675-1,678)
NCUA · 1 branch
Q1 2025
$310KAssets
$211KLoans
$162KShares
$145KNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 99% of credit unions under $1B in assets (rank 11 of 1678).
- Widest gap: efficiency ratio trails 99% of credit unions under $1B in assets (rank 1658 of 1675).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
-5.16%
Rank 1,661 of 1,678
Net Interest Margin
6.45%
Rank 29 of 1,677
Efficiency Ratio
180.00%
Rank 1,658 of 1,675
Equity / Assets
46.77%
Rank 9 of 1,677
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | -5.16% | 0.24% | 0.67% | 1.21% | Beats 1% | 1,661 / 1,678 | | |
| Return on Equity | -11.03% | 1.96% | 5.37% | 8.99% | Beats 4% | 1,610 / 1,675 | | |
| Net Interest Margin | 6.45% | 3.12% | 3.67% | 4.25% | Beats 98% | 29 / 1,677 | | |
| Efficiency Ratio | 180.00% | 68.92% | 78.89% | 88.44% | Beats 1% | 1,658 / 1,675 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.42% | 0.21% | 0.58% | 1.19% | Beats 20% | 1,338 / 1,676 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 46.57% | 10.02% | 12.33% | 15.89% | Beats 99% | 11 / 1,678 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 46.77% | 10.02% | 12.33% | 15.89% | Beats 99% | 9 / 1,677 | | |
| Liquidity & Funding |
| Loans / Deposits | 130.67% | 54.28% | 70.33% | 83.29% | 100th pctl | 4 / 1,677 | | |
| Loans / Assets | 68.06% | 46.21% | 59.98% | 70.96% | 68th pctl | 539 / 1,677 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |