Credit Union Safety Analysis
Is Pine Belt Federal Credit Union Safe? Hattiesburg, Mississippi
Based on its Q2 2026 NCUA 5300 call report, Pine Belt Federal Credit Union has a net worth ratio of 27.22%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 0.72%, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Pine Belt Federal Credit Union's net worth ratio is 27.22%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 27.22%
- Delinquency ratio (60+ days) (Q2 2026): 0.72%
- Return on assets (Q2 2026): 0.27%
- Loan-to-share ratio (Q2 2026): 92.68%
Pine Belt Federal Credit Union (NCUA charter 4799, established 1942) reported $13.9M in assets and 1,593 members for Q2 2026 from Hattiesburg, Mississippi. It ranks 31 of 52 credit unions in Mississippi by total assets. Total assets grew 8.0% from $12.8M on June 30, 2025. 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.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 26.80% for Q1 2026; 29.49% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.34% for Q1 2026; 0.69% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: -0.22% for Q1 2026; -0.25% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 90.59% for Q1 2026; 91.09% for Q2 2025.
Loans by type, Q2 2026
- Used vehicle loans: $6.4M
- New vehicle loans: $1.3M
- Other secured non-real estate loans and lines of credit: $1.2M
- Other unsecured loans and lines of credit: $252K
- 1- to 4-family residential and other consumer real estate loans: $102K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $13.9M | 27.22% | 0.72% | 0.27% | 92.68% |
| March 31, 2026 | $14.1M | 26.80% | 0.34% | -0.22% | 90.59% |
| December 31, 2025 | $13.2M | 28.50% | 0.88% | -1.02% | 98.76% |
| September 30, 2025 | $13.0M | 29.47% | 0.26% | 0.96% | 100.62% |
| June 30, 2025 | $12.8M | 29.49% | 0.69% | -0.25% | 91.09% |
| March 31, 2025 | $13.0M | 29.21% | 0.49% | 0.62% | 88.66% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Pine Belt Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 4799) · FFIEC NIC profile (RSSD 19879)
Frequently asked questions
Is Pine Belt Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Pine Belt Federal Credit Union's net worth ratio is 27.22%, above the 7% NCUA threshold for well capitalized.
Is Pine Belt Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Pine Belt Federal Credit Union is a federally insured credit union (NCUA charter 4799): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Pine Belt Federal Credit Union's key safety ratios?
For Q2 2026, Pine Belt Federal Credit Union reports net worth 27.22%, delinquency 0.72%, ROA 0.27%, loan-to-share 92.68%.
What happens to my money if Pine Belt Federal Credit Union fails?
For Q2 2026, Pine Belt Federal Credit Union held $10.0M in shares and deposits for 1,593 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.