Headquartered in Pearl, Mississippi, Pearl Municipal Federal Credit Union is a federal credit union with $2.0M in total assets and $1.5M in member shares and deposits as of Q2 2026. It operates 2 offices. Its charter dates back to 1981.
Based on its Q2 2026 filing, Pearl Municipal Federal Credit Union scores 74/100, which we describe as strong. That is higher than only 49% of 2,479 credit unions with under $100 million in assets. Among 55 credit unions headquartered in Mississippi, it ranks 25th. Its strongest component is capital cushion (100/100; 26.40%), and its lowest is earnings (41/100; 0.53%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 3 points (77 → 74), mostly because the earnings component weakened by 59 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 82 |
| Q3 2024 | 91 |
| Q4 2024 | 91 |
| Q1 2025 | 87 |
| Q2 2025 | 77 |
| Q3 2025 | 86 |
| Q4 2025 | 81 |
| Q1 2026 | 80 |
| Q2 2026 | 74 |
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| Quarter | Net worth ratio |
|---|---|
| Q2 2024 | 24.90% |
| Q3 2024 | 25.03% |
| Q4 2024 | 24.92% |
| Q1 2025 | 25.11% |
| Q2 2025 | 25.91% |
| Q3 2025 | 27.06% |
| Q4 2025 | 26.72% |
| Q1 2026 | 26.63% |
| Q2 2026 | 26.40% |
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| Quarter | Delinquent loans (60+ days) |
|---|---|
| Q2 2024 | 0.74% |
| Q3 2024 | 0.23% |
| Q4 2024 | 0.06% |
| Q1 2025 | 0.30% |
| Q2 2025 | 1.82% |
| Q3 2025 | 0.72% |
| Q4 2025 | 0.66% |
| Q1 2026 | 0.81% |
| Q2 2026 | 0.84% |
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| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.52% |
| Q3 2024 | 2.08% |
| Q4 2024 | 1.72% |
| Q1 2025 | 1.50% |
| Q2 2025 | 2.54% |
| Q3 2025 | 2.12% |
| Q4 2025 | 1.27% |
| Q1 2026 | 1.30% |
| Q2 2026 | 0.53% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 74 | $2.0M | 26.40% | 0.84% | 0.53% | 106.7% |
| Q1 2026 | 80 | $2.0M | 26.63% | 0.81% | 1.30% | 108.1% |
| Q4 2025 | 81 | $1.9M | 26.72% | 0.66% | 1.27% | 110.9% |
| Q3 2025 | 86 | $1.9M | 27.06% | 0.72% | 2.12% | 108.8% |
| Q2 2025 | 77 | $2.0M | 25.91% | 1.82% | 2.54% | 102.8% |
| Q1 2025 | 87 | $2.0M | 25.11% | 0.30% | 1.50% | 103.6% |
| Q4 2024 | 91 | $2.0M | 24.92% | 0.06% | 1.72% | 100.3% |
| Q3 2024 | 91 | $1.9M | 25.03% | 0.23% | 2.08% | 105.0% |
| Q2 2024 | 82 | $1.9M | 24.90% | 0.74% | 1.52% | 107.7% |
2,479 peers · Under $100 million in assets
How it compares with peers
Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size credit unions in Mississippi
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Mississippi College Employees Federal Credit UnionCredit union Clinton, MS | 61 out of 100, Moderate | $2.1M | 25.4% | 7.53% | vs |
| Natchez Educators Federal Credit UnionCredit union Natchez, MS | 61 out of 100, Moderate | $1.3M | 50.6% | 1.78% | vs |
| Choctaw Federal Credit UnionCredit union Choctaw, MS | 55 out of 100, Moderate | $2.8M | 25.9% | 2.49% | vs |
| Issaquena County Federal Credit UnionCredit union Mayersville, MS | 69 out of 100, Moderate | $870K | 14.2% | 8.94% | vs |
| Citizens Choice Federal Credit UnionCredit union Natchez, MS | 25 out of 100, Low | $679K | -0.7% | 5.66% | vs |
| Muw Federal Credit UnionCredit union Columbus, MS | 43 out of 100, Below average | $4.4M | 9.6% | 3.49% | vs |
Deposit insurance
Is my money safe at Pearl Municipal Federal Credit Union?
Yes. Pearl Municipal Federal Credit Union is a federally insured credit union (NCUA charter #24880). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
An estimated 0.0% of shares and deposits ($0) are above the $250,000 NCUA insurance limit, close to the peer median of 1%. Insured balances are protected regardless of the score.
The net worth ratio is 26.40%, well above the 7% level regulators use as the "well capitalized" benchmark for this measure.
2 locations
Branches
Pearl Municipal Federal Credit Union lists 2 offices in 1 city. Most locations:
- Pearl, MS (2)
Identity & history
Profile
- Legal name
- Pearl Municipal Federal Credit Union
- Type
- Federal credit union
- NCUA charter #
- 24880
- RSSD ID
- 716299
- Primary regulator
- NCUA
- Established
- 1981
- Headquarters
- 2420 Old Brandon Rd, Pearl, MS 39208
- Employees
- 3
Quick answers
Pearl Municipal Federal Credit Union: common questions
Is Pearl Municipal Federal Credit Union NCUA insured?
Yes. Pearl Municipal Federal Credit Union is a federally insured credit union (NCUA charter #24880). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.
What is Pearl Municipal Federal Credit Union's TellerScore?
74 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
How many branches does Pearl Municipal Federal Credit Union have?
2 offices as of the latest NCUA data.
Nearby
Highest-scoring banks and credit unions with branches near Pearl
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Mississippi Public Employees Federal Credit UnionCredit union Jackson, MS | 97 out of 100, Very strong | $29.2M | 18.1% | 0.10% | vs |
| FSNB, National AssociationBank Lawton, OK | 96 out of 100, Very strong | $478.3M | 17.5% | 0.36% | vs |
| Merchants and Planters BankBank Raymond, MS | 91 out of 100, Very strong | $199.0M | 18.2% | 0.00% | vs |
| Members Exchange Federal Credit UnionCredit union Jackson, MS | 87 out of 100, Very strong | $143.6M | 21.2% | 0.37% | vs |
| Magnolia Federal Credit UnionCredit union Jackson, MS | 87 out of 100, Very strong | $185.6M | 23.4% | 0.55% | vs |
| Ecm Federal Credit UnionCredit union Ridgeland, MS | 87 out of 100, Very strong | $28.9M | 14.9% | 0.66% | vs |