# PINE BELT
Hattiesburg, MS · NCUA charter 4799 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/pine-belt-4799

Who the members are: federal charter, multiple common bond, organized 1942, low-income designated. 1,581 members of 17,500 potential (9.0% of the field); checking penetration 30% (share draft accounts per 100 members); loans per 100 members 53.

**Verdict on the desk:** this could be *auto monoline*. Composite score 4 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $14.1M |
| Members | 1,581 (2.1% YoY) |
| Full-time staff | 6 |
| Net worth | $3.8M |
| Net worth ratio | 26.8% (p89 of band) |
| ROA (annualized) | -0.22% (p20 of band) |
| Total delinquency | 0.34% (p38 of band) |
| Net charge-offs (annualized) | 1.67% (p91 of band) |
| Loans / shares | 91% (p91 of band) |
| Cash / assets | 27.4% |
| Borrowings / assets | 0.00% |
| Net interest margin | 4.74% (p81 of band) |
| Operating expense / assets | 5.63% (p86 of band) |
| Vehicles % of loans | 82% (p86 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p43 of band) |
| Vehicle delinquency | 0.41% (p48 of band) |
| Vehicle NCO | 1.97% (p92 of band) |
| Repossessed % of vehicle book | 0.00% (p46 of band) |
| Real estate % of loans | 1% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 3% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 59% |
| Certificates % of member funds | 36% |
| Average share balance | $4,511 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 53% |
| Loans granted per 100 members, annualized | 16% |
| Average loan balance | $11,101 |
| Loans granted, annualized | $3.9M |

## Flags firing in the latest filing

- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **charge-offs p90** (`aq_nco_high`)
- **auto monoline** (`str_vehicle`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | delinquency 2x band, auto monoline |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 2 |  |  |
| 2016-12 | 2 | net worth falling | delinquency 2x band |
| 2017-03 | 2 |  |  |
| 2017-06 | 2 | members leaving | net worth falling |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 3 | net worth falling, delinquency rising | members leaving |
| 2018-09 | 2 |  | delinquency rising |
| 2018-12 | 1 |  | net worth falling |
| 2019-03 | 2 | delinquency rising |  |
| 2019-06 | 2 | net worth falling | delinquency rising |
| 2019-09 | 1 |  | net worth falling |
| 2019-12 | 3 | delinquency 2x band, delinquency rising |  |
| 2020-03 | 5 | losing money, charge-offs p90 |  |
| 2020-06 | 6 | net worth falling, expense trap, margin squeeze | delinquency rising, charge-offs p90 |
| 2020-09 | 5 | delinquency rising | losing money, net worth falling |
| 2020-12 | 5 | loan book shrinking | delinquency rising |
| 2021-03 | 8 | net worth falling, losing money, charge-offs p90 |  |
| 2021-06 | 5 |  | delinquency 2x band, loan book shrinking, charge-offs p90 |
| 2021-09 | 3 |  | margin squeeze, net worth falling |
| 2021-12 | 2 |  | losing money |
| 2022-03 | 3 | net worth falling |  |
| 2022-06 | 4 | delinquency rising, loans>95% of shares | net worth falling |
| 2022-09 | 2 |  | delinquency rising, loans>95% of shares |
| 2022-12 | 2 |  |  |
| 2023-03 | 2 |  |  |
| 2023-06 | 3 | loans>95% of shares |  |
| 2023-09 | 4 | delinquency rising |  |
| 2023-12 | 4 | net worth falling | delinquency rising |
| 2024-03 | 5 | delinquency rising, assets shrinking | net worth falling |
| 2024-06 | 4 |  | assets shrinking |
| 2024-09 | 4 | members leaving | delinquency rising |
| 2024-12 | 3 |  | loans>95% of shares |
| 2025-03 | 5 | net worth falling, delinquency rising, loan book shrinking | expense trap |
| 2025-06 | 3 |  | net worth falling, delinquency rising |
| 2025-09 | 3 | loans>95% of shares | loan book shrinking |
| 2025-12 | 5 | net worth falling, expense trap, delinquency rising | members leaving |
| 2026-03 | 4 | losing money, charge-offs p90 | loans>95% of shares, expense trap, delinquency rising |

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

- 2017-02-10 [Pine Belt Federal Credit Union distributing lunches to storm victims - WDAM-TV](https://news.google.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?oc=5) · WDAM-TV
- 2016-06-26 [Banking options abound in Pine Belt - Hattiesburg American](https://news.google.com/rss/articles/CBMinAFBVV95cUxOa2pQVFEtb01uRm03bTRZc3l0cjVoaWxmdVk0TS0tR3QxN0hERzdIS3I4ZzR4TFZFSnF1M1lzX2NpWVFrNkdfdkRKUlFBTnJHREsxcV9ESm0yY2FEaXdSc0U2MVJsYXlFX0w2R0FxMkVfcjlKU2hHUXN0TjRnTmhKTzBzNGR5T2NLbnZ4d21GSUpiaGQycWVCNTlDdTk?oc=5) · Hattiesburg American
- 2023-06-28 [Martha Foose Returns With a New Bakery in Mississippi’s Pine Belt - Garden & Gun](https://news.google.com/rss/articles/CBMikwFBVV95cUxPRTRGTFFOcVF0aUM1bUhQdy1wcFJ3d0JJSGFGdmNKdHNFNld1aWVwUm9acUVwQi1EbllVUkRlcmxlYTNCVk9kNC1oelU1N3c5eEJfd0hkV19WeU9BX194dS02U2p3M1RDUTZXb0lmb3kzOFEtSDNESXFMQlpQeURwSDdTWEVWZlBjcGdaXzlEV29qU0U?oc=5) · Garden &amp; Gun
- 2020-08-26 [Veteran employees, directors help provide consistent member experience - American Banker](https://news.google.com/rss/articles/CBMiugFBVV95cUxNckJrT2p5MmpfRDgwenBMclpPc0tOdFhVU2FDWXFQS0JfYTlDTkNoQkRnc2JFLWFlbnZkLTVGbFpjZi1IUENLRWVzZl9jWG55ZXB6VmdsdnhXQ0pBOXhIMUFhWkNndGMtX2VUVU5pa1h5QU5fUVFzWGV0cXRnS2MweEV4eGhpNlpRUTdWd3B6bjJfQl9tUHJwdjU4cTBUVllmYnYwbXNvSmp5MFNEX1ljR1RVcDB1Ym5oZWc?oc=5) · American Banker
- 2023-06-10 [Miss Pine Belt Vivian O'Neal crowned Miss Mississippi 2023 - Vicksburg Post](https://news.google.com/rss/articles/CBMioAFBVV95cUxQZy1xc1JVRW1jVGZMbE0xWkpSY2ZYNWVNNnlJbmNrYl9DVVd3U29wMjZUT0lNSFlmUjJFT01RQ3JSNnYtVVMyajY0elJZWkF1SzhDNnlWcW51dkJsU1c1cFE0aThrOVZ5WXdpdlNoX0VzT25vdDJCdGRjejEtMnl4ckljZEM3cmd6VEtSbjctU1RYdVgtclc3MWpPN3RiVW9k?oc=5) · Vicksburg Post
- 2026-07-10 [WDAM 7’s 2026 Blood Bowl with Vitalant kicks off - WDAM-TV](https://news.google.com/rss/articles/CBMikAFBVV95cUxOTjJPcm9aRFcwMXF4NnVjMXhhR2FqbGZiUzZlQVNQTW42WEpncXlZMW42clREakd2NDRMX1U3LUpRZEg2WDNDZVJsbnM2Yk82VEM1bE1ucmxwRWhqV0ZsbS1EVVNmLVMzVFZoRmxVUFFLclliTDVtdDIwdEhaTHljcXlYUkk0bXZndlJnbDVRMU3SAaQBQVVfeXFMT0RDTHRyZ0p2aDBGeEk5TzhjbWxRT3VtWnQzOGQ5OGRwRFZjczZtVEswMnJ6dV9pNmNYNlZZMVFidFJLblU3TjBndUMzMkFXcHF4bDM2OVpQRHpYVnBnMS0ybmExZEdmQnlTMGZydVdoXzZoRTdWa29JYW5DV2VJd0xiMkRDblc0a2pJLXJLemR3OVoyVkdEelVxcDB2aHRHcmh0QWk?oc=5) · WDAM-TV
- 2025-07-24 [Absentee balloting winds down ahead of special legislative primary elections being held due to redistricting - Magnolia Tribune](https://news.google.com/rss/articles/CBMi4gFBVV95cUxPMFBvcUVIcmYxT0JQUjJITDF3Um52YzFPVHVMMER4NzdNRnIzaWRIREFmNkNkc0h3eW5IZnp3eUZYN2hOSmd1eGJsZk9Zdm82LWQ3N3pmRk00S2d6LXA3eEFFbGtBaDRVSjRmQXRIWnlQcEMwRkpqWjRjNTg3Qk5URGsxa0VIc2RabFlfVzJwNEFMYWcyeXFZRG9kMVdabmtWeWhyQngzSFBGcWVFY1FNSEZTMUZYY3JfcUgxRExvbklWWk9yMXZNeUJYWWtkRi1YenFFakc5VUlaNzdPbW1PYmh3?oc=5) · Magnolia Tribune
- 2021-06-26 [Miss Mississippi 2021: Miss Golden Triangle Holly Brand crowned winner - The Clarion-Ledger](https://news.google.com/rss/articles/CBMizAFBVV95cUxPRTh1WG1Wb3cyRkFSM256OTYyVVE5aGJGZ1R6U1F1U3FCTDAzMnBfQlp4ZVZMcHp0Q0U0dVVoUUNqUy04QzZRMUdmNHZJUHZtT19USi1OYVAyX0lqdWxQOERxdmNScktFSmg1LS10MnBsa240N0hYcFVwRnNra0ZzdjRFZy1FTm9jN3hRY2dnUkNHM0J4eWl5ZzUwT0NjY2pmdFZmWUZWSHFOWm93TVRUTTVHMEZyZmROMUhzRVlNQ19Yb3JCWFB0VFBpSFg?oc=5) · The Clarion-Ledger

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=4799 (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/63.json (key "4799", 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=4799
- 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