COTTON BELT
Federal • PINE BLUFF, Arkansas • Est. 1936
Quick Facts
- Charter Number
- #1245
- Type
- Federal
- Established
- 1936
- Headquarters
- PINE BLUFF, Arkansas 71601
- Address
- 1703 RIVER PINES BLVD
- Branches
- 2
- ATMs
- 2
- Members
- 5,766
- Membership Type
- Community
NCUA Financial Health Score
Based on NCUA Q4 2025 Call Report data
At-risk financial position. Significant capital or earnings challenges. Deposits remain federally insured up to $250,000 by the NCUA.
Financial Overview
Total Assets
Members
5,766 total members
Total Loans
Outstanding loan portfolio
Net Worth Ratio
Financial Details
| Metric | COTTON BELT |
|---|---|
| Total Assets | $72.7M |
| Members | 5,766 |
| Loans Outstanding | $56.5M |
| Shares & Deposits | $55.4M |
| Net Worth | $11.4M |
| Net Worth Ratio | 15.67% |
| Loan-to-Share Ratio | 102.0% |
| Delinquency Rate | 5.42% |
| Net Income | +$1,928,069 |
Source: NCUA Q4 2025 Call Report • Cycle date: 12/31/2025
Branch Locations
2 locations · 2 ATMs
Pine Bluff Cotton Belt FCU
Main Office1703 River Pines Blvd
Pine Bluff, AR 71601
Pine Bluff Cotton Belt FCU-White Hall
8540 Highway 270
White Hall, AR 71602-9605
Who Can Join COTTON BELT?
Membership Type: Community
Membership eligibility for COTTON BELT may vary. Contact the credit union directly to confirm qualification requirements.
Contact COTTON BELT directly or visit their website for the most accurate and up-to-date membership eligibility information.
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View Arkansas RankingsFrequently Asked Questions
Yes. COTTON BELT is federally insured by the National Credit Union Administration (NCUA) up to $250,000 per depositor, per ownership category. This provides the same level of deposit protection as FDIC insurance at a bank.
As of the NCUA Q4 2025 Call Report, COTTON BELT has 5,766 members and a potential membership field of 9,184 people.
COTTON BELT's net worth ratio is 15.67% as of Q4 2025. The NCUA classifies a credit union as "well-capitalized" when its net worth ratio is 7% or higher. At 15.7%, COTTON BELT meets this threshold.
COTTON BELT operates 2 branch locations and has access to 2 ATMs. The main office is located at 1703 River Pines Blvd, Pine Bluff, AR 71601.
COTTON BELT was established in 1936. It is a federal credit union chartered under charter number 1245. The institution has been serving members for 90 years.
Data sourced from the NCUA Quarterly Call Report (Q4 2025). CUScore is an independent directory and is not affiliated with the NCUA or COTTON BELT. All financial data is for informational purposes only.