BlastPoint's Credit Union Scorecard
PEARL MUNICIPAL
Charter #24880 · MS
2556 CUs in <100M nationally
41 in MS
PEARL MUNICIPAL has 8 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 0.65% above tier average
- + Net Interest Margin 1.79% above tier average
- + 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 1.5% in tier
- + Member Growth Rate: Top 6.4% in tier
- + Net Worth Ratio: Top 8.8% in tier
Key Concerns
Areas that may need attention
- - Average Member Relationship (AMR): Bottom 6.4% in tier
- - Total Deposits: Bottom 8.8% in tier
- - Total Assets: Bottom 9.2% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
712
+4.7% YoY0% QoQ
|
-1.9K |
2,615
-1.9% YoY
|
14,672
+15.4% YoY
|
33,374
+5.7% YoY
|
20% |
| Assets |
$1.9M
-2.0% YoY+0.1% QoQ
|
$-28.2M |
$30.1M
+2.1% YoY
|
$175.8M
+23.7% YoY
|
$561.6M
+9.7% YoY
|
Bottom 9.2% in tier |
| Loans |
$1.6M
+5.7% YoY+2.9% QoQ
|
$-14.2M |
$15.8M
-1.3% YoY
|
$116.9M
+20.6% YoY
|
$397.0M
+8.8% YoY
|
15% |
| Deposits |
$1.4M
-4.4% YoY+1.0% QoQ
|
$-24.3M |
$25.7M
+1.4% YoY
|
$139.2M
+23.5% YoY
|
$477.3M
+9.7% YoY
|
Bottom 8.8% in tier |
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| ROA |
1.3%
-26.4% YoY-38.7% QoQ
|
+0.7% |
0.6%
+10.8% YoY
|
0.8%
+172.9% YoY
|
0.7%
+15.9% YoY
|
77% |
| NIM |
5.7%
-1.4% YoY+6.7% QoQ
|
+1.8% |
4.0%
+4.0% YoY
|
4.4%
+3.3% YoY
|
3.8%
+5.1% YoY
|
Top 5.4% in tier |
| Efficiency Ratio |
60.2%
-8.2% YoY-4.5% QoQ
|
-22.4% |
82.6%
-2.3% YoY
|
79.5%
-8.9% YoY
|
79.7%
-3.3% YoY
|
Bottom 11.7% in tier |
| Delinquency Rate |
0.7%
+1020.9% YoY-7.4% QoQ
|
-0.9 |
1.6%
-3.1% YoY
|
2.7%
-0.7% YoY
|
1.3%
-2.1% YoY
|
48% |
| Loan To Share |
110.9%
+10.5% YoY+1.9% QoQ
|
+50.3% |
60.6%
-3.1% YoY
|
68.0%
-1.8% YoY
|
67.4%
-1.7% YoY
|
Top 1.6% in tier |
| AMR |
$4,183
-3.9% YoY+2.0% QoQ
|
$-11K |
$14,783
-1.4% YoY
|
$12,283
+3.8% YoY
|
$19,687
+2.0% YoY
|
Bottom 6.3% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 19.4% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.5% | 7.8% | 50% |
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 (10 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.0% in <100M tier
39
Loan-to-Share Ratio
balance_sheet
Value:
110.90%
Peer Median: -
#39 of 2556
Top 1.5% in <100M tier
138
Net Interest Margin (NIM)
profitability
Value:
5.75%
Peer Median: -
#138 of 2556
Top 5.4% in <100M tier
164
Member Growth Rate
growth
Value:
4.71%
Peer Median: -
#164 of 2556
Top 6.4% in <100M tier
226
Net Worth Ratio
risk
Value:
26.72%
Peer Median: -
#226 of 2556
Top 8.8% in <100M tier
300
Efficiency Ratio
profitability
Value:
60.20%
Peer Median: -
#300 of 2556
Top 11.7% in <100M tier
497
Loan Growth Rate
growth
Value:
5.70%
Peer Median: -
#497 of 2556
Top 19.4% in <100M tier
589
Return on Assets (ROA)
profitability
Value:
1.27%
Peer Median: -
#589 of 2556
Top 23.0% in <100M tier
Top Weaknesses (10 metrics)
2394
Average Member Relationship (AMR)
engagement
Value:
$4,183
Peer Median: -
#2394 of 2556
Bottom 6.4% in <100M tier
2332
Total Deposits
balance_sheet
Value:
$1.41M
Peer Median: -
#2332 of 2556
Bottom 8.8% in <100M tier
2321
Total Assets
balance_sheet
Value:
$1.93M
Peer Median: -
#2321 of 2556
Bottom 9.2% in <100M tier
2217
Net Charge-Off Rate
risk
Value:
1.14%
Peer Median: -
#2217 of 2556
Bottom 13.3% in <100M tier
2171
Total Loans
balance_sheet
Value:
$1.57M
Peer Median: -
#2171 of 2556
Bottom 15.1% in <100M tier
2163
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,200
Peer Median: -
#2163 of 2556
Bottom 15.4% in <100M tier
2045
Total Members
engagement
Value:
712
Peer Median: -
#2045 of 2556
Bottom 20.0% in <100M tier
2040
AMR Growth Rate
growth
Value:
-3.86%
Peer Median: -
#2040 of 2556
Bottom 20.2% in <100M tier
2038
Deposit Growth Rate
growth
Value:
-4.38%
Peer Median: -
#2038 of 2556
Bottom 20.3% in <100M tier
1962
Members Per Employee (MPE)
engagement
Value:
237.333
Peer Median: -
#1962 of 2556
Bottom 23.3% in <100M tier