PINE
Charter #12601 · PINE BLUFF, AR · $50M-$100M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 24.22% ranks in the 93rd percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 1.59% sits at the 80th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 1.36% sits at the 79th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.91% sits at the 90th percentile of structural peers — worth a closer look.
- On Return on average assets, the asset-size band puts this credit union at the 81st percentile but its structural peers at the 54th — a 27-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 | PINE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $63.00M | 32th pct | 48th pct |
| Members | 4,778 | 45th pct | 41th pct |
| Net worth ratio | 24.22% | 98th pct | 93th pct |
| Return on average assets | 1.35% | 81th pct | 54th pct |
| Net interest margin | 4.07% | 71th pct | 56th pct |
| Cost of funds | 1.59% | 84th pct | 80th pct |
| Loan-to-share | 62.96% | 54th pct | 49th pct |
| Delinquency 60+ days | 1.36% | 83th pct | 79th pct |
| Net charge-off ratio | 0.91% | 87th pct | 90th pct |
| Loan growth YoY | -4.33% | 23th pct | 28th pct |
| Share growth YoY | -0.32% | 15th pct | 16th pct |
| Efficiency ratio | 73.92% | 34th pct | 46th pct |
structural peer set hash: 205bd94c9b76ac71668388a271eb7ad0… (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.