TellerScore

Headquartered in Hattiesburg, Mississippi, Pine Belt Federal Credit Union is a federal credit union with $13.9M in total assets and $10.0M in member shares and deposits as of Q2 2026. It operates 2 offices across 2 states. Its charter dates back to 1942.

Pine Belt Federal Credit Union has a TellerScore of 73 out of 100 (strong) based on Q2 2026 data — higher than only 47% of its 2,479 credit unions with under $100 million in assets. Among 55 credit unions headquartered in Mississippi, it ranks 28th. Capital cushion contributes the most (100/100, 27.22%); earnings contributes the least (21/100, 0.02%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Net worth ratio: 27.22%
Loan quality76/100
Loans 60+ days delinquent ÷ total loans: 0.72%
Earnings21/100
Return on assets (annualized): 0.02%
Funding & liquidity68/100
Loans ÷ shares: 92.7% · 0.0% uninsured
Problem-loan coverage96/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 1.78%

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 fell 2 points (75 → 73), mostly because the earnings component weakened by 7 points.

TellerScore
717681Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202474
Q3 202479
Q4 202475
Q1 202581
Q2 202575
Q3 202579
Q4 202571
Q1 202675
Q2 202673
Net worth ratio
7.00%18.44%29.88%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 202429.72%
Q3 202429.88%
Q4 202429.58%
Q1 202529.21%
Q2 202529.49%
Q3 202529.47%
Q4 202528.50%
Q1 202626.80%
Q2 202627.22%
Delinquent loans (60+ days)
0.26%0.69%1.12%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20241.12%
Q3 20240.48%
Q4 20240.49%
Q1 20250.49%
Q2 20250.69%
Q3 20250.26%
Q4 20250.88%
Q1 20260.34%
Q2 20260.72%
Return on assets
-0.22%0.28%0.78%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.78%
Q3 20240.52%
Q4 20240.04%
Q1 20250.62%
Q2 20250.19%
Q3 20250.45%
Q4 20250.07%
Q1 2026-0.22%
Q2 20260.02%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202673$13.9M27.22%0.72%0.02%92.7%
Q1 202675$14.1M26.80%0.34%-0.22%90.6%
Q4 202571$13.2M28.50%0.88%0.07%98.8%
Q3 202579$13.0M29.47%0.26%0.45%100.6%
Q2 202575$12.8M29.49%0.69%0.19%91.1%
Q1 202581$13.0M29.21%0.49%0.62%88.7%
Q4 202475$12.8M29.58%0.49%0.04%94.1%
Q3 202479$12.8M29.88%0.48%0.52%96.0%
Q2 202474$12.9M29.72%1.12%0.78%102.8%

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).

Capital ratio27.22%
92nd
Problem loans0.72%
49th
Net charge-offs1.15%
12th
Return on assets0.02%
20th
Loans to deposits92.7%
7th
Uninsured deposits0.0%
81st
Loan-loss reserves0.00%
37th
Texas ratio1.8%
55th

Similar-size credit unions in Mississippi

InstitutionScoreAssetsCapitalProblem loansCompare
N. Mississippi Health Services Emp. Federal Credit UnionCredit union Tupelo, MS97 out of 100, Very strong$14.0M20.9%0.00%vs
Southern Coastal Federal Credit UnionCredit union Biloxi, MS81 out of 100, Strong$14.0M18.2%0.68%vs
Mississippi Highway Safty Pat Federal Credit UnionCredit union Jackson, MS69 out of 100, Moderate$13.1M28.4%6.62%vs
Ampot Federal Credit UnionCredit union Hamilton, MS52 out of 100, Below average$15.2M11.2%1.84%vs
Biloxi Teachers Federal Credit UnionCredit union Biloxi, MS83 out of 100, Strong$12.1M11.9%0.25%vs
Vicksburg Railroad Federal Credit UnionCredit union Vicksburg, MS77 out of 100, Strong$12.0M32.8%0.52%vs

Deposit insurance

Is my money safe at Pine Belt Federal Credit Union?

Yes. Pine Belt Federal Credit Union is a federally insured credit union (NCUA charter #4799). 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 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 27.22%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

2 locations

Branches

Pine Belt Federal Credit Union lists 2 offices in 2 cities across 2 states. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Pine Belt Federal Credit Union
Type
Federal credit union
NCUA charter #
4799
RSSD ID
19879
Primary regulator
NCUA
Established
1942
Headquarters
PO Box 1441, Hattiesburg, MS 39403
Employees
6

Quick answers

Pine Belt Federal Credit Union: common questions

Is Pine Belt Federal Credit Union NCUA insured?

Yes. Pine Belt Federal Credit Union is a federally insured credit union (NCUA charter #4799). 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 Pine Belt Federal Credit Union's TellerScore?

73 out of 100 (Strong), 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 Pine Belt Federal Credit Union have?

2 offices as of the latest NCUA data, in 2 states.

Nearby

Highest-scoring banks and credit unions with branches near Hattiesburg

InstitutionScoreAssetsCapitalProblem loansCompare
Citizens BankBank Columbia, MS90 out of 100, Very strong$466.3M13.5%0.33%vs
Richton Bank & Trust CompanyBank Richton, MS90 out of 100, Very strong$52.0M15.9%0.00%vs
Sunbelt Federal Credit UnionCredit union Hattiesburg, MS85 out of 100, Very strong$366.4M16.2%0.39%vs
First Southern BankBank Columbia, MS83 out of 100, Strong$317.3M10.6%0.00%vs
First BankBank Mccomb, MS74 out of 100, Strong$562.9M13.0%1.11%vs
The Citizens National Bank of MeridianBank Meridian, MS70 out of 100, Strong$1.9B11.3%0.87%vs