Side-by-side · Q2 2026 data
Peoples Bank vs Pearl Municipal Federal Credit Union
Credit union
Pearl Municipal Federal Credit Union
Pearl, Mississippi · Under $100 million in assets
Metric by metric
| Measure | Peoples Bank | Pearl Municipal Federal Credit Union |
|---|---|---|
| TellerScore | 52 | 74 (stronger) |
| Capital cushion | 67 | 100 (stronger) |
| Loan quality | 0 | 72 (stronger) |
| Earnings | 100 (stronger) | 41 |
| Funding & liquidity | 52 | 54 (stronger) |
| Problem-loan coverage | 45 | 95 (stronger) |
| Peer percentile | 8th | 49th |
| Total assets | $503.5M | $2.0M |
| Deposits / shares | $445.0M | $1.5M |
| Capital ratio | 11.72% | 26.40% (stronger) |
| Problem loans | 4.28% | 0.84% (stronger) |
| Net charge-offs | 0.31% (stronger) | 0.65% |
| Return on assets | 3.96% (stronger) | 0.53% |
| Loans ÷ deposits | 87.0% (stronger) | 106.7% |
| Uninsured deposits | 34.2% | 0.0% (stronger) |
| Offices | 4 | 2 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 18.3% | — |
Pearl Municipal Federal Credit Union has the higher TellerScore (74 vs 52). On the 7 directional measures above (where higher or lower is clearly better), Peoples Bank leads on 3 and Pearl Municipal Federal Credit Union on 4. 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.