PEARL MUNICIPAL
Charter #24880 | MS
<100M
(2596 CUs)
Micro
($0-$500M)
41 <100M in MS
PEARL MUNICIPAL has 9 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.40% above tier average
- + Net Interest Margin 1.45% above tier average
- + Strong member growth: 5.2% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Loan-to-Share Ratio: Top 1.7% in tier
- + Member Growth Rate: Top 6.7% in tier
- + Net Worth Ratio: Top 8.2% in tier
Key Concerns
Areas that may need attention
- - Average Member Relationship (AMR): Bottom 6.7% in tier
- - Total Deposits: Bottom 8.9% in tier
- - Total Assets: Bottom 9.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
712
+5.2% YoY+3.5% QoQ
|
-1.9K |
2,625
-2.2% YoY
|
14,577
+18.5% YoY
|
33,089
+6.1% YoY
|
Bottom 20.2% in tier |
| Assets |
$1.9M
-1.1% YoY-3.5% QoQ
|
$-27.9M |
$29.9M
+1.1% YoY
|
$171.7M
+26.4% YoY
|
$547.7M
+7.8% YoY
|
Bottom 9.6% in tier |
| Loans |
$1.5M
-0.3% YoY+0.2% QoQ
|
$-14.2M |
$15.8M
-2.4% YoY
|
$115.7M
+25.1% YoY
|
$388.7M
+8.6% YoY
|
Bottom 14.9% in tier |
| Deposits |
$1.4M
-3.8% YoY-5.3% QoQ
|
$-24.1M |
$25.5M
+0.4% YoY
|
$135.7M
+26.5% YoY
|
$464.6M
+9.3% YoY
|
Bottom 8.9% in tier |
| ROA |
2.1%
-1.7% YoY-18.5% QoQ
|
+1.4% |
0.7%
-731.4% YoY
|
0.9%
+335.0% YoY
|
0.7%
+273.4% YoY
|
Top 8.0% in tier |
| NIM |
5.4%
-6.6% YoY+1.4% QoQ
|
+1.5% |
3.9%
+3.8% YoY
|
4.4%
+3.2% YoY
|
3.7%
+5.0% YoY
|
Top 8.7% in tier |
| Efficiency Ratio |
63.1%
+5.4% YoY+3.9% QoQ
|
-18.3% |
81.4%
-2.4% YoY
|
78.7%
-9.5% YoY
|
79.1%
-3.3% YoY
|
Bottom 18.3% in tier |
| Delinquency Rate |
0.7%
+205.1% YoY-60.5% QoQ
|
-0.8 |
1.5%
-2.0% YoY
|
1.7%
-11.9% YoY
|
1.2%
-0.9% YoY
|
52nd in tier |
| Loan To Share |
108.8%
+3.6% YoY+5.8% QoQ
|
+47.5% |
61.2%
-3.0% YoY
|
68.6%
-0.4% YoY
|
68.0%
-1.7% YoY
|
Top 1.9% in tier |
| AMR |
$4,101
-6.8% YoY-5.8% QoQ
|
$-11K |
$14,627
-2.7% YoY
|
$12,163
+4.6% YoY
|
$19,418
+1.3% YoY
|
Bottom 6.7% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
19.3%
+9.2% YoY
|
19.6%
+6.2% YoY
|
50th in tier |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
2.5%
+12.7% YoY
|
7.9%
-2.9% YoY
|
50th in tier |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)
Top Strengths (9 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 15.37%
#1 of 2596
Top 0.0% in <100M tier
45
Loan-to-Share Ratio
balance_sheet
Value:
108.78%
Peer Avg: 61.23%
#45 of 2596
Top 1.7% in <100M tier
174
Member Growth Rate
growth
Value:
5.17%
Peer Avg: 14.92%
#174 of 2596
Top 6.7% in <100M tier
207
Return on Assets (ROA)
profitability
Value:
2.08%
Peer Avg: 0.68%
#207 of 2596
Top 7.9% in <100M tier
213
Net Worth Ratio
risk
Value:
27.06%
Peer Avg: 16.43%
#213 of 2596
Top 8.2% in <100M tier
225
Net Interest Margin (NIM)
profitability
Value:
5.39%
Peer Avg: 3.93%
#225 of 2596
Top 8.6% in <100M tier
476
Efficiency Ratio
profitability
Value:
63.06%
Peer Avg: 81.39%
#476 of 2596
Top 18.3% in <100M tier
Top Weaknesses (9 metrics)
2422
Average Member Relationship (AMR)
engagement
Value:
$4,101
Peer Avg: $14,627
#2422 of 2596
Bottom 6.7% in <100M tier
2366
Total Deposits
balance_sheet
Value:
$1.40M
Peer Avg: $25.45M
#2366 of 2596
Bottom 8.9% in <100M tier
2348
Total Assets
balance_sheet
Value:
$1.92M
Peer Avg: $29.86M
#2348 of 2596
Bottom 9.6% in <100M tier
2264
AMR Growth Rate
growth
Value:
-6.83%
Peer Avg: 4.67%
#2264 of 2596
Bottom 12.8% in <100M tier
2224
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,137
Peer Avg: $5,488
#2224 of 2596
Bottom 14.4% in <100M tier
2208
Total Loans
balance_sheet
Value:
$1.52M
Peer Avg: $15.77M
#2208 of 2596
Bottom 15.0% in <100M tier
2070
Total Members
engagement
Value:
712
Peer Avg: 2,626
#2070 of 2596
Bottom 20.3% in <100M tier
2019
Deposit Growth Rate
growth
Value:
-3.79%
Peer Avg: 16.80%
#2019 of 2596
Bottom 22.3% in <100M tier
2001
Members Per Employee (MPE)
engagement
Value:
237.333
Peer Avg: 365.701
#2001 of 2596
Bottom 23.0% in <100M tier