PINE BELT
Charter #4799 · Hattiesburg, MS · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 26.80% ranks in the 79th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of -0.23% sits at the 10th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 1.67% sits at the 90th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 17th percentile but its structural peers at the 56th — a 38-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 BELT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $14.05M | 17th pct | 56th pct |
| Members | 1,581 | 27th pct | 48th pct |
| Net worth ratio | 26.80% | 96th pct | 79th pct |
| Return on average assets | -0.23% | 14th pct | 10th pct |
| Net interest margin | 4.88% | 88th pct | 57th pct |
| Cost of funds | 1.64% | 81th pct | 74th pct |
| Loan-to-share | 90.59% | 94th pct | 70th pct |
| Delinquency 60+ days | 0.34% | 38th pct | 34th pct |
| Net charge-off ratio | 1.67% | 93th pct | 90th pct |
| Loan growth YoY | 1.27% | 78th pct | 74th pct |
| Share growth YoY | 12.48% | 97th pct | 95th pct |
| Efficiency ratio | 87.15% | 67th pct | 69th pct |
structural peer set hash: 14063550c57c2e5757db6bdfbe16a366… (reproducible)
Closest structural peers
This is the free public view
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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.