Side-by-side · Q2 2026 data
Pearl Municipal Federal Credit Union vs Ecm Federal Credit Union
Credit union
Pearl Municipal Federal Credit Union
Pearl, Mississippi · Under $100 million in assets
Credit union
Ecm Federal Credit Union
Ridgeland, Mississippi · Under $100 million in assets
Metric by metric
| Measure | Pearl Municipal Federal Credit Union | Ecm Federal Credit Union |
|---|---|---|
| TellerScore | 74 | 87 (stronger) |
| Capital cushion | 100 (stronger) | 99 |
| Loan quality | 72 | 78 (stronger) |
| Earnings | 41 | 69 (stronger) |
| Funding & liquidity | 54 | 98 (stronger) |
| Problem-loan coverage | 95 | 95 |
| Peer percentile | 49th | 83rd |
| Total assets | $2.0M | $28.9M |
| Deposits / shares | $1.5M | $24.4M |
| Capital ratio | 26.40% (stronger) | 14.87% |
| Problem loans | 0.84% | 0.66% (stronger) |
| Net charge-offs | 0.65% | 0.01% (stronger) |
| Return on assets | 0.53% | 1.22% (stronger) |
| Loans ÷ deposits | 106.7% | 62.1% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 2 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Ecm Federal Credit Union has the higher TellerScore (87 vs 74). On the 6 directional measures above (where higher or lower is clearly better), Pearl Municipal Federal Credit Union leads on 1 and Ecm Federal Credit Union on 5. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.