Side-by-side · Q2 2026 data
Pearl Municipal Federal Credit Union vs Natchez Educators Federal Credit Union
Credit union
Pearl Municipal Federal Credit Union
Pearl, Mississippi · Under $100 million in assets
Credit union
Natchez Educators Federal Credit Union
Natchez, Mississippi · Under $100 million in assets
Metric by metric
| Measure | Pearl Municipal Federal Credit Union | Natchez Educators Federal Credit Union |
|---|---|---|
| TellerScore | 74 (stronger) | 61 |
| Capital cushion | 100 | 100 |
| Loan quality | 72 (stronger) | 41 |
| Earnings | 41 (stronger) | 0 |
| Funding & liquidity | 54 | 76 (stronger) |
| Problem-loan coverage | 95 | 97 (stronger) |
| Peer percentile | 49th | 23rd |
| Total assets | $2.0M | $1.3M |
| Deposits / shares | $1.5M | $639K |
| Capital ratio | 26.40% | 50.56% (stronger) |
| Problem loans | 0.84% (stronger) | 1.78% |
| Net charge-offs | 0.65% (stronger) | 2.86% |
| Return on assets | 0.53% (stronger) | -0.85% |
| Loans ÷ deposits | 106.7% | 83.8% (stronger) |
| Uninsured deposits | 0.0% | 0.0% |
| Offices | 2 | 0 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | — | — |
Pearl Municipal Federal Credit Union has the higher TellerScore (74 vs 61). On the 6 directional measures above (where higher or lower is clearly better), Pearl Municipal Federal Credit Union leads on 4 and Natchez Educators Federal Credit Union on 2. Deposits are insured up to $250,000 per depositor, per ownership category, at both.