# PINE
PINE BLUFF, AR · NCUA charter 12601 · asset band $50-100M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/pine-12601

Who the members are: federal charter, multiple common bond, organized 1958, low-income designated. 4,778 members of 7,400 potential (64.6% of the field); checking penetration 34% (share draft accounts per 100 members); loans per 100 members 55.

**Verdict on the desk:** this could be *ordinary*. Composite score 3 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $63.0M |
| Members | 4,778 (-3.5% YoY) |
| Full-time staff | 16 |
| Net worth | $15.3M |
| Net worth ratio | 24.2% (p98 of band) |
| ROA (annualized) | 1.35% (p81 of band) |
| Total delinquency | 1.36% (p83 of band) |
| Net charge-offs (annualized) | 0.92% (p87 of band) |
| Loans / shares | 63% (p54 of band) |
| Cash / assets | 49.0% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.06% (p72 of band) |
| Operating expense / assets | 3.53% (p49 of band) |
| Vehicles % of loans | 59% (p76 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 5% |
| Third-party paper % of net worth | 6% (p60 of band) |
| Vehicle delinquency | 1.49% (p83 of band) |
| Vehicle NCO | 1.32% (p88 of band) |
| Repossessed % of vehicle book | 0.77% (p98 of band) |
| Real estate % of loans | 19% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 11% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 36% |
| Certificates % of member funds | 13% |
| Average share balance | $6,015 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 55% |
| Loans granted per 100 members, annualized | 28% |
| Average loan balance | $11,529 |
| Loans granted, annualized | $13.3M |

## Flags firing in the latest filing

- **delinquency 2x band** (`aq_dq_high`)
- **repo signal** (`aq_repo`)
- **members leaving** (`shrink_members`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | delinquency 2x band, repo signal, auto monoline |  |
| 2016-06 | 2 |  | delinquency 2x band |
| 2016-09 | 3 | delinquency 2x band |  |
| 2016-12 | 3 |  |  |
| 2017-03 | 3 |  |  |
| 2017-06 | 3 | net worth falling | delinquency 2x band |
| 2017-09 | 2 |  | net worth falling |
| 2017-12 | 1 |  | repo signal |
| 2018-03 | 1 |  |  |
| 2018-06 | 3 | net worth falling, delinquency rising |  |
| 2018-09 | 3 | repo signal | net worth falling |
| 2018-12 | 2 | 3rd-party paper>100% NW | delinquency rising, repo signal |
| 2019-03 | 2 |  |  |
| 2019-06 | 3 | net worth falling |  |
| 2019-09 | 1 |  | 3rd-party paper>100% NW, net worth falling |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | repo signal |  |
| 2020-06 | 2 | net worth falling | repo signal |
| 2020-09 | 2 |  |  |
| 2020-12 | 2 |  |  |
| 2021-03 | 3 | margin squeeze |  |
| 2021-06 | 5 | delinquency 2x band, delinquency rising |  |
| 2021-09 | 4 |  | delinquency rising |
| 2021-12 | 5 | delinquency rising |  |
| 2022-03 | 3 | repo signal | margin squeeze, delinquency 2x band, delinquency rising |
| 2022-06 | 2 |  | net worth falling |
| 2022-09 | 1 |  | repo signal |
| 2022-12 | 1 |  |  |
| 2023-03 | 3 | delinquency 2x band, delinquency rising |  |
| 2023-06 | 3 |  |  |
| 2023-09 | 2 | repo signal | delinquency 2x band, delinquency rising |
| 2023-12 | 3 | delinquency 2x band, delinquency rising | repo signal |
| 2024-03 | 3 |  |  |
| 2024-06 | 3 |  |  |
| 2024-09 | 5 | repo signal, members leaving |  |
| 2024-12 | 3 |  | delinquency rising, members leaving |
| 2025-03 | 3 |  |  |
| 2025-06 | 2 |  | auto monoline |
| 2025-09 | 2 |  |  |
| 2025-12 | 3 | members leaving |  |
| 2026-03 | 3 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-08-31 [Lynyrd Skynyrd Setlist: What to Expect From Their 2026 Tour Dates - Ticketmaster Blog](https://news.google.com/rss/articles/CBMiY0FVX3lxTFBYZlZjVVQ0RGE0akhWdnFodEM2REZoWl9lYU9teW44Ty00NXMwb2Z6ZHFPRExuVGFUVkxlWGtFUW40elpESzFIbDNUeWE5cXlDLVU5WTdaWkpkbUM3ZUxob1ZrRQ?oc=5) · Ticketmaster Blog
- 2026-03-06 [Charles Bray - Cleveland County Herald](https://news.google.com/rss/articles/CBMibkFVX3lxTE5oaVRtZ0UwbVNrTUQweklQZW9xcXRONFhOTVl3V0xLLV9sWjNQSjlTazNHUVFMRGJ3MU9zSUdtbjRYbHlidnlIUVNqdFZ0cDQta1VlenYyUUpjdVFqRVZnd0V5bEdkRnljanZRWU9B?oc=5) · Cleveland County Herald
- 2026-02-17 [Breaking Benjamin Bring 2026 North American Tour With Special Guests Chevelle, Starset & Kami Kehoe To Pine Knob Music Theatre September 13 - 313 Presents](https://news.google.com/rss/articles/CBMihwJBVV95cUxNR05EQTdFbkZlODZKcnB0N09Jb0RQVlZWc05GdjRHemdyQXdHVXQ4ek5hYnFxLXM4eXBDYUlqTlFfQUUwZUkwQW5zMy0yR0dCcGJlMHZMRV94TVpLdFRUWXJfVUFLMHFnSmJOYlpLelVLVDZzWkk5aElYajRsakVEQ0VHTkVtYXJPZkhVcnQ1SjVsTS0yZDQ1LWJ1ZkRDQ1NIUnJOQ2VUR01FX3BzVVI5QjJxUnI4UTljMWRKSVZrMHkxTVlpMWZKU1E5Qm1tNzNWczh3SG83QTBnUGxrR1dHYnFEX0ctRUxYeURwRDhCM2V0SUZXanhhTDV6RHVjUGp4Uk01UmxEbw?oc=5) · 313 Presents
- 2025-11-02 [Arkansas-Pine Bluff 63-62 UIC (Dec 3, 2025) Final Score - ESPN](https://news.google.com/rss/articles/CBMijwFBVV95cUxPMVFtaUZCMnp0d1UtNnlPTF9pYlNGYUMyZkdnaW5pbVFEMEtMNm5wMHVSNUZMV0lYRUw1b2tjR3M1OUFPbm9XdzNfbUcyaWRzMnNad3FTYUt3SU94NVFCdUJUZ0h5SFVaNmtQeE9oakxtUk9kNXJqNkFUUEFuaGxWRXdlbHR4MFo3LVRhLVNwbw?oc=5) · ESPN
- 2026-04-15 [Why Are Federal Regulators Trying To Take Away This Credit Union? - Next City](https://news.google.com/rss/articles/CBMioAFBVV95cUxPdV9yeU1NUnFjU3VEb1hCYlJJMXJBektoVTZOUVppYXVCVzBCV05fbTJvUXNlTTdyMjBKc0tzWFZ6eWI4UkczUTh5SDRjMGpDREU2N0FEVEFhOHNXMmVxT1pYZkpuMTFkcC0xQ3BCOGluN2QtSXJuekdDbEItZnpsb3hDOXd1RGFoa3NvQVM0aTlsSG1uVGFYVjM0MnVIZWYt?oc=5) · Next City
- 2026-06-15 [What to Know for Evanescence: 2026 World Tour Setlist - Ticketmaster Blog](https://news.google.com/rss/articles/CBMiX0FVX3lxTFBuTTN6MkU3Z0oxU0tnRnpPVlJBR3JaTXd5UEpUbDdTWjhmeTdaNUV6UkFUSVhMYXU2N2J2R21nb2NHemZoMUdTUTZNbGtiQ1FCTVpLdFRuMVJERXpwaW1j?oc=5) · Ticketmaster Blog
- 2025-02-24 [New Roles Announced at Arkansas Federal Credit Union, Simmons Bank & UAMS (Movers & Shakers) - Arkansas Business](https://news.google.com/rss/articles/CBMipwFBVV95cUxQb3ZiSjc4WXY0bGNsbmQtbEZDdDd0a2RpdDF5a0tndHEyUVB6eWgtdG5YSldzdEp3NklOenZqSUVUV1NpQS0xRlpyWHVScVJVR2xYb0hqZUMwLW1uNzhvdnhlTnRCTU8wWlA4YS01eDZjY3N6WERia1o1bm8wSmpfeE5yT2E1UlZwTWRISkVMb3RtcG9VY2h1bGVUTkZiOVhmM2JEdy04Zw?oc=5) · Arkansas Business
- 2026-02-18 [North Little Rock man accused of using homemade device in attempt to blow up ATM - The Arkansas Democrat-Gazette](https://news.google.com/rss/articles/CBMinAFBVV95cUxNS0IyWHpGMGhRbWgxZWxKQ2FVYU9qZkxIc21jZlNyY3AwdTJPOHYta0pGVlhWdENtV05XZFZkUlR0VUtmd2xKRG16TkRmbmtoRnBpblFHLUd6SDZnRWRnWjF4OVE1cHEwbnFSNFgxSVRLbmdOWkNJY0FkQ211SlRfVll0eV9Ya3JSNi1vQzNZZndxblk4R2xYN0F1Q0U?oc=5) · The Arkansas Democrat-Gazette

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=12601 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/57.json (key "12601", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=12601
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide