Pine Bluff, Arkansas · Peer group 4
Cotton Belt Credit Union
Cotton Belt Credit Union holds $70.5M in assets across 5,754 members as of Q1 2026 — about $12K of assets per member, on a charter dating to 1936. Charter number 1245, in the $50M-$100M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $70.5M |
|---|---|
| Total loans | $55.3M |
| Total shares (deposits) | $56.7M |
| Net worth | $11.5M |
| Members | 5,754 |
| Assets per member | $12K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | 1.1% | |
|---|---|---|
| Loans | 2.6% | around the 66th percentile of its peer group |
| Deposits | 1.9% | around the 51st percentile of its peer group |
| Members | -1.3% | around the 51st percentile of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 97.7% | higher than 99% of its peer group |
|---|---|---|
| Net worth ratio | 16.3% | around the 78th percentile of its peer group |
| Return on assets | 0.68% | around the 49th percentile of its peer group |
| Delinquency ratio | 2.31% | higher than 95% of its peer group |
| Cash / assets | 5.2% | around the 14th percentile of its peer group |
| Borrowings / assets | 0.0% | around the 47th percentile of its peer group |
What this page does not show
Everything above is Cotton Belt Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Arkansas — the comparison set a peer ratio is measured against.
- Alcoa Community Credit Union
Benton, AR
$68.7M · 6,065 members
- Hurricane Creek Credit Union
BENTON, AR
$73.8M · 5,413 members
- River Valley Community Credit Union
Camden, AR
$64.6M · 6,775 members
- Pine Credit Union
PINE BLUFF, AR
$63.0M · 4,778 members
- Timberline Credit Union
Crossett, AR
$80.7M · 11,031 members
- Clearway Credit Union
Malvern, AR
$81.0M · 8,953 members
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