PBA
Charter #11045 · Pine Bluff, AR · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 30.27% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -1.15% sits at the 3rd percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 0.10% ranks in the 25th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of -0.58% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 5th percentile but its structural peers at the 52nd — a 48-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | PBA | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $10.96M | 5th pct | 52th pct |
| Members | 967 | 4th pct | 44th pct |
| Net worth ratio | 30.27% | 98th pct | 80th pct |
| Return on average assets | -1.15% | 6th pct | 3th pct |
| Net interest margin | 4.79% | 87th pct | 62th pct |
| Cost of funds | 1.25% | 69th pct | 67th pct |
| Loan-to-share | 96.75% | 97th pct | 75th pct |
| Delinquency 60+ days | 0.10% | 21th pct | 25th pct |
| Net charge-off ratio | -0.58% | 2th pct | 2th pct |
| Loan growth YoY | 0.67% | 75th pct | 74th pct |
| Share growth YoY | 4.25% | 68th pct | 84th pct |
| Efficiency ratio | 72.95% | 32th pct | 33th pct |
structural peer set hash: a3306fca1670e5885762f478407b8688… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.