Cotton Belt Federal Credit Union is a federal credit union headquartered in Pine Bluff, Arkansas, in business for about 90 years. At the end of Q2 2026 it reported $70.0M in total assets and $56.0M in member shares and deposits, with 1 office.
Based on its Q2 2026 filing, Cotton Belt Federal Credit Union scores 57/100, which we describe as moderate. That is higher than only 17% of 2,479 credit unions with under $100 million in assets. Among 46 credit unions headquartered in Arkansas, it ranks 39th. Its strongest component is capital cushion (100/100; 17.03%), and its lowest is loan quality (0/100; 4.73%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 4 points (53 → 57), mostly because the earnings component improved by 12 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 52 |
| Q3 2024 | 48 |
| Q4 2024 | 53 |
| Q1 2025 | 54 |
| Q2 2025 | 53 |
| Q3 2025 | 62 |
| Q4 2025 | 61 |
| Q1 2026 | 61 |
| Q2 2026 | 57 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 13.58% |
| Q3 2024 | 13.72% |
| Q4 2024 | 14.64% |
| Q1 2025 | 14.57% |
| Q2 2025 | 15.26% |
| Q3 2025 | 16.20% |
| Q4 2025 | 15.67% |
| Q1 2026 | 16.33% |
| Q2 2026 | 17.03% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 3.58% |
| Q3 2024 | 4.45% |
| Q4 2024 | 5.09% |
| Q1 2025 | 2.79% |
| Q2 2025 | 6.00% |
| Q3 2025 | 5.75% |
| Q4 2025 | 5.42% |
| Q1 2026 | 2.31% |
| Q2 2026 | 4.73% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.57% |
| Q3 2024 | 0.24% |
| Q4 2024 | 0.81% |
| Q1 2025 | 0.36% |
| Q2 2025 | 0.86% |
| Q3 2025 | 2.31% |
| Q4 2025 | 1.78% |
| Q1 2026 | 0.68% |
| Q2 2026 | 1.16% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 57 | $70.0M | 17.03% | 4.73% | 1.16% | 95.6% |
| Q1 2026 | 61 | $70.5M | 16.33% | 2.31% | 0.68% | 97.7% |
| Q4 2025 | 61 | $72.7M | 15.67% | 5.42% | 1.78% | 102.0% |
| Q3 2025 | 62 | $69.8M | 16.20% | 5.75% | 2.31% | 103.0% |
| Q2 2025 | 53 | $68.0M | 15.26% | 6.00% | 0.86% | 101.0% |
| Q1 2025 | 54 | $69.7M | 14.57% | 2.79% | 0.36% | 96.9% |
| Q4 2024 | 53 | $68.9M | 14.64% | 5.09% | 0.81% | 98.9% |
| Q3 2024 | 48 | $70.4M | 13.72% | 4.45% | 0.24% | 91.6% |
| Q2 2024 | 52 | $71.7M | 13.58% | 3.58% | 0.57% | 86.4% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Arkansas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Alcoa Community Federal Credit UnionCredit union Benton, AR | 53 out of 100, Below average | $69.5M | 7.7% | 0.52% | vs |
| Hurricane Creek Federal Credit UnionCredit union Benton, AR | 64 out of 100, Moderate | $72.4M | 9.8% | 0.44% | vs |
| River Valley Community Federal Credit UnionCredit union Camden, AR | 74 out of 100, Strong | $64.3M | 13.9% | 1.25% | vs |
| Pine Federal Credit UnionCredit union Pine Bluff, AR | 80 out of 100, Strong | $62.8M | 24.5% | 1.49% | vs |
| Clearway Federal Credit UnionCredit union Malvern, AR | 83 out of 100, Strong | $79.6M | 22.5% | 0.52% | vs |
| Timberline Federal Credit UnionCredit union Crossett, AR | 59 out of 100, Moderate | $80.4M | 19.6% | 2.22% | vs |
Deposit insurance
Is my money safe at Cotton Belt Federal Credit Union?
Yes. Cotton Belt Federal Credit Union is a federally insured credit union (NCUA charter #1245). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 4.1% of shares and deposits ($2.3M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 17.03%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
1 location
Branches
Cotton Belt Federal Credit Union lists 1 office in 1 city. Most locations:
- Pine Bluff, AR (1)
Identity & history
Profile
- Legal name
- Cotton Belt Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 1245
- RSSD ID
- 834773
- Primary regulator
- NCUA
- Established
- 1936
- Headquarters
- 1703 River Pines Blvd, Pine Bluff, AR 71601
- Employees
- 26
Quick answers
Cotton Belt Federal Credit Union: common questions
Is Cotton Belt Federal Credit Union NCUA insured?
Yes. Cotton Belt Federal Credit Union is a federally insured credit union (NCUA charter #1245). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Cotton Belt Federal Credit Union's TellerScore?
57 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Cotton Belt Federal Credit Union have?
1 office as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Pine Bluff
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| FSNB, National AssociationBank Lawton, OK | 96 out of 100, Very strong | $478.3M | 17.5% | 0.36% | vs |
| Connect BankBank Star City, AR | 89 out of 100, Very strong | $123.9M | 15.9% | 0.88% | vs |
| Pine Federal Credit UnionCredit union Pine Bluff, AR | 80 out of 100, Strong | $62.8M | 24.5% | 1.49% | vs |
| Fairfield Federal Credit UnionCredit union Pine Bluff, AR | 78 out of 100, Strong | $97.7M | 23.3% | 1.57% | vs |
| Relyance BankBank White Hall, AR | 76 out of 100, Strong | $1.4B | 13.3% | 0.40% | vs |
| FBT Bank & MortgageBank Fordyce, AR | 72 out of 100, Strong | $263.6M | 10.4% | 0.69% | vs |