Pearl Municipal
Pearl, MS · Charter 24880 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 2 branches
Q2 2026
$2.0MAssets
$1.5MLoans
$1.4MShares
$520KNet Worth
Executive Summary
- Strongest standing: net interest margin outperforms 98% of credit unions under $1B in assets (rank 42 of 1683).
- Widest gap: return on equity trails 80% of credit unions under $1B in assets (rank 1353 of 1681).
- Overall: at or above the peer median on 4 of 7 directional measures.
Return on Assets
0.51%
Rank 1,129 of 1,683
Net Interest Margin
5.99%
Rank 42 of 1,683
Efficiency Ratio
66.15%
Rank 331 of 1,682
Equity / Assets
26.40%
Rank 80 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.51% | 0.35% | 0.74% | 1.18% | Beats 33% | 1,129 / 1,683 | | |
| Return on Equity | 1.92% | 2.67% | 5.89% | 8.74% | Beats 20% | 1,353 / 1,681 | | |
| Net Interest Margin | 5.99% | 3.31% | 3.82% | 4.32% | Beats 98% | 42 / 1,683 | | |
| Efficiency Ratio | 66.15% | 68.91% | 78.20% | 86.93% | Beats 80% | 331 / 1,682 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.84% | 0.26% | 0.65% | 1.29% | Beats 41% | 986 / 1,682 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 26.40% | 10.44% | 12.89% | 16.53% | Beats 95% | 80 / 1,683 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 26.40% | 10.44% | 12.89% | 16.53% | Beats 95% | 80 / 1,683 | | |
| Liquidity & Funding |
| Loans / Deposits | 106.76% | 52.61% | 69.38% | 83.50% | 98th pctl | 26 / 1,683 | | |
| Loans / Assets | 78.58% | 44.71% | 59.18% | 70.72% | 89th pctl | 178 / 1,683 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |