CU Explorer
Credit unions · Arkansas · Q2 2026

Cotton Belt FCU

Credit union in Pine Bluff, AR · NCUA charter #1245 · Federal charter

Legal name: Cotton Belt

Latest filed figures, Q2 2026. Every number below comes from the credit union's own NCUA 5300 Call Report.

Total assets$70.0M
Total loans & leases$53.5M
Total shares & deposits$56.0M
Members6,256
Net worth$11.9M
Net worth / assets17.03%
Loans / assets76.47%
Return on assets (annualized)1.16%
Loan growth (YoY)−1.38%
Member growth (YoY)7.60%
Delinquency, all loans (60+ days)4.73%
CharterFederal charter
Asset band$50M–$250M
NCUA peer group$50M–$100M
Sponsor typeService (finance, health, transport, utilities)

AI readiness

No public evidence

Nothing public says the credit union uses AI.

No public evidence found as of 2026-09-22. Checked: its website, announcements by AI vendors, news search. Absence of evidence is not evidence of absence; a credit union may use AI without saying so publicly.

Filed signals, from the credit union's own NCUA call report (Q2 2026): online membership application, online loan application, online loan payments, bill payment, e-Statements, mobile payments. These are relationships and channels, not AI as such.

The AI Score runs from one to five stars; one star, no public evidence, is never shown on a credit union. Scores and sources for every credit union: CU AI Ready Report.

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