Pearl, Mississippi · Peer group 1
Pearl Municipal Credit Union
Pearl Municipal Credit Union holds $2.0M in assets across 711 members as of Q1 2026 — about $3K of assets per member, on a charter dating to 1981. Charter number 24880, in the <$10M asset tier.
Balance sheet
Reported position at the close of the quarter.
| Total assets | $2.0M |
|---|---|
| Total loans | $1.5M |
| Total shares (deposits) | $1.4M |
| Net worth | $521K |
| Members | 711 |
| Assets per member | $3K |
Year-over-year growth
Change against the same quarter one year earlier.
| Assets | -1.3% | |
|---|---|---|
| Loans | 1.1% | around the 68th percentile of its peer group |
| Deposits | -3.1% | around the 48th percentile of its peer group |
| Members | 4.3% | higher than 91% of its peer group |
Ratios and peer position
Each ratio is shown against its percentile rank within this institution's own peer group. The absolute number is rarely the interesting part — a 96% loan-to-share is unremarkable in one peer group and an outlier in another.
| Loan-to-share | 108.1% | higher than 94% of its peer group |
|---|---|---|
| Net worth ratio | 26.6% | around the 74th percentile of its peer group |
| Return on assets | 1.30% | around the 76th percentile of its peer group |
| Delinquency ratio | 0.81% | around the 52nd percentile of its peer group |
| Cash / assets | 15.1% | around the 22nd percentile of its peer group |
| Borrowings / assets | 0.0% | around the 49th percentile of its peer group |
What this page does not show
Everything above is Pearl Municipal Credit Union’s own reported position. What a CUSignals subscription adds is the layer on top of it: a merger-susceptibility score and calibrated one-year probability, a franchise-value score, a liquidity-stress score and funding-need flag, participation buyer/seller classification, and buying-propensity scores across five software categories — each with the plain-English reason it moved, and each decomposable into the weights that produced it.
Similar credit unions
Closest in size within Mississippi — the comparison set a peer ratio is measured against.
- Mississippi College Employees Credit Union
Clinton, MS
$2.0M · 163 members
- Natchez Educators Credit Union
Natchez, MS
$1.3M · 377 members
- Choctaw Credit Union
CHOCTAW, MS
$2.9M · 2,064 members
- Issaquena County Credit Union
MAYERSVILLE, MS
$905K · 524 members
- Citizens Choice Credit Union
Natchez, MS
$697K · 394 members
- Muw Credit Union
Columbus, MS
$4.3M · 442 members
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