Side-by-side · Q2 2026 data
Citizens Choice Federal Credit Union vs Pearl Municipal Federal Credit Union
Credit union
Citizens Choice Federal Credit Union
Natchez, Mississippi · Under $100 million in assets
Credit union
Pearl Municipal Federal Credit Union
Pearl, Mississippi · Under $100 million in assets
Metric by metric
| Measure | Citizens Choice Federal Credit Union | Pearl Municipal Federal Credit Union |
|---|---|---|
| TellerScore | 25 | 74 (stronger) |
| Capital cushion | 0 | 100 (stronger) |
| Loan quality | 0 | 72 (stronger) |
| Earnings | 0 | 41 (stronger) |
| Funding & liquidity | 100 (stronger) | 54 |
| Problem-loan coverage | 100 (stronger) | 95 |
| Peer percentile | 1st | 49th |
| Total assets | $679K | $2.0M |
| Deposits / shares | $676K | $1.5M |
| Capital ratio | -0.68% | 26.40% (stronger) |
| Problem loans | 5.66% | 0.84% (stronger) |
| Net charge-offs | 5.59% | 0.65% (stronger) |
| Return on assets | -9.66% | 0.53% (stronger) |
| Loans ÷ deposits | 49.0% (stronger) | 106.7% |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 1 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Pearl Municipal Federal Credit Union has the higher TellerScore (74 vs 25). On the 6 directional measures above (where higher or lower is clearly better), Citizens Choice Federal Credit Union leads on 1 and Pearl Municipal Federal Credit Union on 5. Deposits are insured up to $250,000 per depositor, per ownership category, at both.