COTTON BELT Credit Union Profile

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COTTON BELT

Charter #1245 | NCUA Region 2 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (870) 535-6365

Fax: (870) 535-0765

Founding Date: N/A

Website: https://www.pbcbcu.org

Personnel & Operations

President: SPADONI, JOE

Manager: Hutchins, Greg

FT Employees: 23

PT Employees: 2

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 52

Branches: 1

Hours: 8:00 - 4:00 MON, TUES, THURS; 9:00 - 4:00

Credit Union Profile Summary

COTTON BELT is a FCU Credit Union. With a total of 5,814 members [1], this institution manages approximately $68,029,222 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 15.26% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at 9.12% [1].

Financial Snapshot

Total Assets [1]
$68,029,222

Total economic resources.

Total Loans [1]
$54,268,071

Total value of outstanding loans.

Total Deposits [1]
$53,732,676

Total funds deposited by members.

Members [1]
5,814

Number of active members.

Performance Ratios

Net Worth Ratio [1]
15.26%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
0.85%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
101.00%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
↓ -5.08%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
↑ 9.12%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
↓ -3.44%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

1703 RIVER PINES BLVD

PINE BLUFF, AR, 71601
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Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 2 branches reported by COTTON BELT (Charter #1245).

Main Office

Pine Bluff Cotton Belt FCU Main Office

Type: Corporate Office

1703 River Pines Blvd

Pine Bluff, AR 71601

Phone: (870) 535-6365

Services: ATM, Drive-Thru

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Additional Branches

White Hall

Pine Bluff Cotton Belt FCU-White Hall

Type: Branch Office

8540 Highway 270

White Hall, AR 71602-9605

Phone: (870) 535-6365

Services: Member Services, ATM, Drive-Thru

Open in Directions