Federal credit union · Pearl, Mississippi · NCUA charter #24880
Pearl Municipal
Health score 89/100, grade A (Excellent) - from the NCUA 5300 Call Report, 2025Q4.
- 89
- Health / 100
- $1.9M
- Total assets
- 712
- Members
- 26.6%
- Net-worth ratio
Pearl Municipal scores 89/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $1.9M; members 712; net-worth ratio 26.63%; health rank #1,179 of 4,374; healthier than 69th of scored peers.
NCUA 5300 Call Report masthead
NCUA 5300 Call Report Masthead
#1,179 of 4,374 health · 2025Q4Pearl Municipal · health 89/100 · $1.9M · 2025Q4
Call Report peers
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Pearl Municipal vs every NCUA-scored credit union
Pearl Municipal sits in the busiest band, 85-89, alongside 857 other credit unions.
89 Top 31% higher than 69% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Pearl Municipal: Call Report deltas vs peers
- Strongest edge vs 243 Under $2M peers is Loan-to-Share Ratio: +58.20 pp (110.90% vs 52.70%).
Where Pearl Municipal sits in Mississippi
- In Mississippi, health place is #16 of 55 on the same NCUA-ratio sort used nationally.
- By total assets, Pearl Municipal is #52 of 55 in Mississippi.
- Member book place in Mississippi: #47 of 55.
- One place up in Mississippi, First Neshoba (#15) scores 90/100, 1 point higher; one place down, Meridian Mississippi Ang (#17) ties at 89/100.
How Pearl Municipal's 5300 filing moved
Pearl Municipal: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +1.6% from $1.9M (2025Q4) to $2.0M (2026Q1).
- Net-worth ratio shifted -0.09 pp (26.72% → 26.63%).
26.63% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 89/100 score is built
Pearl Municipal gives up 11 points in total. Loan-to-Share Ratio costs the most, 8.6 of its 15; Net Worth Ratio and Return on Assets score full marks.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 23.4 pts
- Return on Assets 15.0 pts
- Member Growth 14.6 pts
- Loan-to-Share Ratio 6.0 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 26.63% | +3.70 pp |
| Delinquency Rate | 0.66% | -3.81 pp |
| Return on Assets | 1.76% | +1.54 pp |
| Member Growth | 4.71% | - |
| Loan-to-Share Ratio | 110.90% | +58.20 pp |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $2.0M | - |
| 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
Branch Locations (2)
Pearl Municipal operates 2 offices in Pearl, per its most recent NCUA branch filing.
| Office | City |
|---|---|
| Pearl Municipal Fed Credit Union (Main Office) | Pearl, MS |
| Pearl Municipal Fed Credit Union | Pearl, MS |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Mississippi
More federally-insured credit unions based in Mississippi, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Similar health score
Using this data
- Pearl Municipal ranks #1,179 of 4,374 nationally on financial health and #16 of 55 in MS -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Natchez Educators is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Natchez Educators
Frequently Asked Questions
Is Pearl Municipal financially healthy?
Pearl Municipal has a financial health score of 89/100 (Excellent) from its 2025Q4 NCUA 5300 Call Report. It ranks #1,179 of 4,374 nationally on health and #16 of 55 in Mississippi. Its net worth ratio is 26.63% and its delinquency rate 0.66%.
How does Pearl Municipal compare to other credit unions?
Pearl Municipal scores 89/100, higher than 69% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is loan-to-share ratio (110.90% vs 52.70%).
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?
Pearl Municipal is a federal credit union; its shares are federally 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 26.63% exceeds the 7% threshold NCUA considers "well capitalized."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.