Pine Belt Federal Credit Union Hattiesburg, Mississippi
Pine Belt Federal Credit Union is a federal credit union headquartered in Hattiesburg, MS, established in 1942 (NCUA charter 4799), and it is regulated and insured by the NCUA. At Q2 2026 it reported 1,593 members and total assets of $13.9M (up 8.0% from Q2 2025), the 31st largest of 52 credit unions headquartered in Mississippi. Its net worth ratio was 27.22% at Q2 2026, in the well capitalized band.
Also written as Pine Belt FCU
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Data as of · sourced from NCUA 5300 call reports. How we update
- Charter
- Federal credit union
- Regulator
- NCUA
- Deposit insurance
- NCUA (NCUSIF)
- NCUA charter number
- 4799
- Headquarters
- Hattiesburg, MS
- Established
- 1942
- Total assets, Q2 2026
- $13.9M
- Assets vs Q2 2025
- +8.0%
- Members, Q2 2026
- 1,593
- Net worth ratio, Q2 2026
- 27.22%
- Latest call report
- Q2 2026, NCUA 5300 · Pine Belt Federal Credit Union call report
- Asset rank in state
- 31st of 52 in Mississippi
- Routing number
- 265376993
- Branches
- 3
It has 34 more members than on June 30, 2025 (+2.2%). Its net worth ratio was down 2.27 percentage points from 29.49% on June 30, 2025. Used vehicle loans are its largest loan category, $6.4M of $9.3M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 0.72% is below the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026. Its 27.22% net worth ratio is above that band's 14.31% median.
Credit unions similar in size in Mississippi
Frequently asked about Pine Belt Federal Credit Union
How big is Pine Belt Federal Credit Union?
At Q2 2026 it reported total assets of $13.9M and 1,593 members.
Where is Pine Belt Federal Credit Union headquartered?
It is headquartered in Hattiesburg, MS, United States.
When was Pine Belt Federal Credit Union founded?
It was established in 1942, per NCUA records.
Is Pine Belt Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. It is a federally insured credit union (NCUA charter 4799): member shares are insured by the National Credit Union Share Insurance Fund, run by the NCUA, up to $250,000 per member, per insured credit union, for each account ownership category, the same limit the FDIC applies to bank deposits.
Who regulates Pine Belt Federal Credit Union?
It is a federal credit union, chartered and supervised by the NCUA.
Is Pine Belt Federal Credit Union well capitalized?
Its net worth ratio was 27.22% at Q2 2026, in the well capitalized band. NCUA considers a credit union well capitalized at a net worth ratio of 7% or higher.
What is Pine Belt Federal Credit Union's delinquency ratio?
Its delinquency ratio was 0.72% at Q2 2026: loans 60 or more days past due as a share of total loans.
What is Pine Belt Federal Credit Union's loan-to-share ratio?
Its loan-to-share ratio was 92.68% at Q2 2026: total loans as a share of member shares and deposits.
Credit Union Profile
- Headquarters
- Hattiesburg, MS 39401
- Charter Type
- Federal credit union
- Primary Regulator
- NCUA
- Insurance
- NCUSIF
- Established
- 1942
- NCUA Charter #
- 4799
- RSSD ID
- 19879
- Members
- 1,593
- Potential members
- 17,500
Size & Membership
Profitability
Q2 annualizedCapital & Asset Quality
Peer comparison: credit unions of similar size
It ranks against 2,479 credit unions with under $100M in assets, as of Q2 2026. It is in the top quartile on 2 of 7 ranked measures and in the bottom quartile on 2.
| Metric | This credit union | Peer median | Rank among peers |
|---|---|---|---|
| Net worth ratio Middle half of peers: 11.14% to 19.38% | 27.22% | 14.31% | over 90th top |
| Return on assets Middle half of peers: 0.16% to 1.30% | 0.27% | 0.72% | 30th below |
| Return on equity Middle half of peers: 1.04% to 8.69% | 0.98% | 4.74% | 25th bottom |
| Net interest margin Middle half of peers: 3.31% to 4.53% | 4.94% | 3.93% | 84th top |
| Efficiency ratio Middle half of peers: 68.03% to 91.60% | 89.69% | 79.83% | 29th below |
| Cost of funds Middle half of peers: 0.37% to 1.23% | 1.40% | 0.78% | 20th bottom |
| Delinquency ratio Middle half of peers: 0.35% to 1.93% | 0.72% | 0.86% | 57th above |
| Yield on assets Middle half of peers: 4.21% to 5.32% | 6.33% | 4.70% | over 90th position only |
| Loan-to-share ratio Middle half of peers: 42.33% to 75.81% | 92.68% | 58.92% | over 90th position only |
Quarterly trends
Last 6 quarters of 5300 filings. Under each chart, Q2 2026 against Q2 2025. How these charts are built
$13.9M total assets against $12.8M; $10.0M total shares and deposits against $9.0M; $9.3M total loans against $8.2M.
$3.8M net worth against $3.8M.
27.22% net worth ratio against 29.49%.
92.68% loan-to-share ratio against 91.09%.
0.72% delinquency ratio against 0.69%.
0.27% return on assets against -0.25%; 0.98% return on equity against -0.85%.
4.94% net interest margin against 4.48%.
1,593 members against 1,559.
Quarterly trend: last 6 quarters
| Quarter | Net worth ratio | ROA | Delinquency | Loan-to-share |
|---|---|---|---|---|
| June 30, 2026 | 27.22% | 0.27% | 0.72% | 92.68% |
| March 31, 2026 | 26.80% | -0.22% | 0.34% | 90.59% |
| December 31, 2025 | 28.50% | -1.02% | 0.88% | 98.76% |
| September 30, 2025 | 29.47% | 0.96% | 0.26% | 100.62% |
| June 30, 2025 | 29.49% | -0.25% | 0.69% | 91.09% |
| March 31, 2025 | 29.21% | 0.62% | 0.49% | 88.66% |
Scroll sideways to see every column.
How we read these figures
Glossary: net worth ratio, delinquency, ROA, loan-to-share. The net worth category is ours, from NCUA's 7% well and 6% adequately capitalized cutoffs. It is not NCUA's determination, which can differ. ROA, ROE and margin annualize the quarter; NCUA's Financial Performance Report annualizes the year to date (YTD). Peer rank interpolates size-band percentiles. Methodology.