BlastPoint's Credit Union Scorecard
PEARL MUNICIPAL
Charter #24880 · MS
<100M
2508 CUs in <100M nationally
42 in MS
PEARL MUNICIPAL has 5 strengths but faces 3 concerns
Key Strengths
Areas where this CU excels compared to peers
- + ROA 1.15% above tier average
- + Net Interest Margin 1.66% above tier average
- + Loan-to-Share Ratio: Top 1.5% in tier
- + Member Growth Rate: Top 7.9% in tier
- + Net Worth Ratio: Top 8.6% in tier
Key Concerns
Areas that may need attention
- - Average Member Relationship (AMR): Bottom 6.7% in tier
- - Total Deposits: Bottom 8.7% in tier
- - Total Assets: Bottom 9.2% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
711
+4.3% YoY-0.1% QoQ
|
-2.0K |
2,676
+1.6% YoY
|
14,925
+15.2% YoY
|
33,913
+5.7% YoY
|
20% |
| Assets |
$2.0M
-1.3% YoY+1.6% QoQ
|
$-28.2M |
$30.2M
+1.3% YoY
|
$177.9M
+19.7% YoY
|
$578.3M
+9.0% YoY
|
Bottom 9.2% in tier |
| Loans |
$1.5M
+1.1% YoY-1.2% QoQ
|
$-13.7M |
$15.3M
-2.0% YoY
|
$116.7M
+17.0% YoY
|
$402.4M
+8.7% YoY
|
15% |
| Deposits |
$1.4M
-3.1% YoY+1.3% QoQ
|
$-24.4M |
$25.8M
+0.7% YoY
|
$143.1M
+20.8% YoY
|
$494.3M
+9.1% YoY
|
Bottom 8.6% in tier |
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| ROA |
1.3%
-13.6% YoY+1.9% QoQ
|
+1.2% |
0.1%
-77.6% YoY
|
-8.8%
-1402.3% YoY
|
0.4%
-39.2% YoY
|
80% |
| NIM |
5.7%
+12.1% YoY-1.3% QoQ
|
+1.7% |
4.0%
+4.0% YoY
|
4.5%
+3.7% YoY
|
3.8%
+4.1% YoY
|
Top 5.4% in tier |
| Efficiency Ratio |
86.0%
+10.6% YoY+42.9% QoQ
|
-4.6% |
90.6%
+6.5% YoY
|
182.9%
+107.2% YoY
|
84.6%
+2.8% YoY
|
61% |
| Delinquency Rate |
0.8%
+167.0% YoY+22.4% QoQ
|
-0.7 |
1.5%
+3.8% YoY
|
2.1%
+3.6% YoY
|
1.2%
+3.4% YoY
|
58% |
| Loan To Share |
108.1%
+4.4% YoY-2.5% QoQ
|
+49.6% |
58.5%
-3.0% YoY
|
65.1%
-3.9% YoY
|
65.6%
-1.4% YoY
|
Top 1.6% in tier |
| AMR |
$4,189
-5.0% YoY+0.1% QoQ
|
$-11K |
$14,884
-1.7% YoY
|
$12,313
+3.4% YoY
|
$19,920
+1.6% YoY
|
Bottom 6.6% in tier |
| CD Concentration | 0.0% | -24.3% | 24.3% | 19.6% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 2.4% | 7.7% | 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 (8 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 0.00%
#1 of 2508
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 3.66%
#1 of 2508
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: 12.45%
#1 of 2508
Top 0.1% in <100M tier
39
Loan-to-Share Ratio
balance_sheet
Value:
108.14%
Peer Median: 58.72%
#39 of 2508
Top 1.5% in <100M tier
135
Net Interest Margin (NIM)
profitability
Value:
5.67%
Peer Median: 3.83%
#135 of 2508
Top 5.3% in <100M tier
199
Member Growth Rate
growth
Value:
4.25%
Peer Median: -1.37%
#199 of 2508
Top 7.9% in <100M tier
217
Net Worth Ratio
risk
Value:
26.63%
Peer Median: 14.28%
#217 of 2508
Top 8.6% in <100M tier
512
Return on Assets (ROA)
profitability
Value:
1.30%
Peer Median: 0.61%
#512 of 2508
Top 20.4% in <100M tier
Top Weaknesses (10 metrics)
2342
Average Member Relationship (AMR)
engagement
Value:
$4,189
Peer Median: $13,926
#2342 of 2508
Bottom 6.7% in <100M tier
2292
Total Deposits
balance_sheet
Value:
$1.43M
Peer Median: $18.77M
#2292 of 2508
Bottom 8.7% in <100M tier
2278
Total Assets
balance_sheet
Value:
$1.96M
Peer Median: $21.86M
#2278 of 2508
Bottom 9.2% in <100M tier
2237
Net Charge-Off Rate
risk
Value:
1.26%
Peer Median: 0.07%
#2237 of 2508
Bottom 10.8% in <100M tier
2128
Total Loans
balance_sheet
Value:
$1.55M
Peer Median: $9.48M
#2128 of 2508
Bottom 15.2% in <100M tier
2114
Loan-to-Member Ratio (LMR)
engagement
Value:
$2,177
Peer Median: $4,923
#2114 of 2508
Bottom 15.7% in <100M tier
2083
AMR Growth Rate
growth
Value:
-5.02%
Peer Median: 1.27%
#2083 of 2508
Bottom 17.0% in <100M tier
2007
Total Members
engagement
Value:
711
Peer Median: 1,918
#2007 of 2508
Bottom 20.0% in <100M tier
1952
Fee Income Per Member
profitability
Value:
$12.68
Peer Median: $60.42
#1952 of 2508
Bottom 22.2% in <100M tier
1915
Members Per Employee (MPE)
engagement
Value:
237.000
Peer Median: 333.750
#1915 of 2508
Bottom 23.7% in <100M tier