Federal credit union · Pearl, Mississippi · NCUA charter #24880
Pearl Municipal
Health score 89/100 (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $1.9M
- Total assets
- 712
- Members
- 25.3%
- Net-worth ratio
Pearl Municipal - Share Insurance Coverage
The 2025Q4 NCUA Call Report puts charter #24880 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.
Pearl Municipal - Five Health Pillars
The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.
- Capital (net worth ratio)100
- Asset quality (delinquency)93
- Earnings (ROA)100
- Member growth98
- Liquidity (loan-to-share)43
Weighted composite: 89/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
25.31% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 25.31% | 30% |
| Delinquency Rate | 0.66% | 25% |
| Return on Assets | 1.76% | 15% |
| Member Growth | 4.71% | 15% |
| Loan-to-Share Ratio | 110.90% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $1.9M | 712 |
| 2024Q4 | $2.0M | 680 |
| 2023Q4 | $2.2M | 664 |
Credit Union Details
- Charter Number
- 24880
- Type
- Federal
- Field of Membership
- Multiple Common Bond
- Peer Group
- Under $2M
- State
- Mississippi
- City
- Pearl
- Data Quarter
- 2025Q4
What This Data Says About Pearl Municipal
Headquartered in Pearl, Mississippi, Pearl Municipal is a federal credit union with 712 members, $1.9M in total assets, and $1.6M in outstanding loans on the books as of Q4 2025. Its five-factor composite puts the health score at 89/100 (Excellent), driven in part by a net worth ratio of 25.31% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules. It carries charter #24880 and reports within peer group Under $2M, a cohort of 243 similarly-sized institutions.
On loan book quality: 0.66% of loans are 60+ days past due against the total loan book - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. Meanwhile a 110.90% loan-to-share ratio shows how aggressively member deposits get deployed into lending, above the 80% band that can indicate tighter liquidity management. Return on assets stands at 1.76% on net income of $34K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 4.71%. Reported quarterly to the NCUA, this data reflects the 2025Q4 Call Report period. Eligibility to join runs through the field of membership (currently: Multiple Common Bond) - see our disclaimer before opening an account or borrowing, for NCUSIF coverage details and data usage notes.
Nearby Credit Unions in Mississippi
More federally-insured credit unions based in Mississippi, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Pearl Municipal financially healthy?
A 25.31% net worth ratio and a 0.66% delinquency rate feed into Pearl Municipal's financial health score of 89/100 (Excellent), from NCUA 5300 Call Report data as of Q4 2025. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Pearl Municipal compare to other credit unions?
Five weighted metrics from NCUA filings produce Pearl Municipal's 89/100 score on PlainCU's health composite, compared to a peer group average for Under $2M credit unions: net worth ratio (30%), delinquency rate (25%), return on assets (15%), member growth (15%), loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Pearl Municipal?
Pearl Municipal serves multiple common-bond groups, membership usually requires belonging to one of several qualifying employers, associations, or organizations the credit union has chartered to serve. Contact Pearl Municipal directly for the current list of qualifying groups.
Is my money safe at Pearl Municipal?
Federal credit unions like Pearl Municipal are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Pearl Municipal's net worth ratio of 25.31% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Pearl Municipal offer compared to banks?
Credit unions like Pearl Municipal are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Pearl Municipal directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.