COTTON BELT
Charter #1245 · PINE BLUFF, AR · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net interest margin of 4.90% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 2.31% sits at the 93rd percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.03% sits at the 89th percentile of structural peers — worth a closer look.
- On Loan growth YoY, the asset-size band puts this credit union at the 63rd percentile but its structural peers at the 43rd — a 20-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 | COTTON BELT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $70.47M | 48th pct | 44th pct |
| Members | 5,754 | 61th pct | 57th pct |
| Net worth ratio | 16.33% | 78th pct | 72th pct |
| Return on average assets | 0.67% | 47th pct | 41th pct |
| Net interest margin | 4.90% | 95th pct | 85th pct |
| Cost of funds | 0.79% | 40th pct | 26th pct |
| Loan-to-share | 97.67% | 99th pct | 90th pct |
| Delinquency 60+ days | 2.31% | 95th pct | 93th pct |
| Net charge-off ratio | 1.03% | 89th pct | 89th pct |
| Loan growth YoY | -0.16% | 63th pct | 43th pct |
| Share growth YoY | 5.34% | 76th pct | 80th pct |
| Efficiency ratio | 80.14% | 51th pct | 51th pct |
structural peer set hash: 3d6e83fb3658a4a8a503e372d81f0d9f… (reproducible)
Closest structural peers
This is the free public view
Claim COTTON BELT
Unlock the full operating picture — scenario modeling, deposit & collections packs, the governed action framework, and an exam-ready evidence binder with every number traced to its basis.
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.