Cotton Belt
Cotton Belt is a credit union based in Pine Bluff, Arkansas, established in 1936, with $70 million in total assets serving 5,754 members. By Trust Grade it ranks 18th of 48 credit unions we track in Arkansas. Its net worth ratio of 16.3% is stronger than 63% of similarly sized credit unions, versus a Arkansas median of 16.2%. It was profitable over the most recent period, with a 0.68% return on assets. No consumer complaints against Cotton Belt appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Cotton Belt compares to Arkansas peers
How we graded Cotton Belt
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (16.3% capital ratio)
- Profitable (ROA 0.68%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Cotton Belt over the analysis window. For a smaller institution this is common and counts in its favor.
Are deposits at Cotton Belt insured?
Yes. Cotton Belt is an NCUA-insured credit union. Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Cotton Belt: frequently asked questions
Is Cotton Belt a good credit union?
Cotton Belt earns a Bankzia Trust Grade of A (95/100, "Excellent"), based on a financial-strength score of 95/100 (it has no CFPB complaints on record). Strongly capitalized (16.3% capital ratio); Profitable (ROA 0.68%).
Is Cotton Belt NCUA-insured?
Yes. Cotton Belt is a NCUA-insured credit union. Deposits are protected up to the standard NCUA limit of $250,000 per depositor, per ownership category.
How big is Cotton Belt?
Cotton Belt holds $70 million in total assets, ranking 18th of 48 credit unions we track in Arkansas. It serves 5,754 members.
Does Cotton Belt have CFPB complaints?
No CFPB complaints against Cotton Belt appear in our data over the analysis window, which is typical for a credit union of this size.
Similar Credit Unions
Financial data from NCUA call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
