PEARL MUNICIPAL
Charter #24880 · Pearl, MS · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net charge-off ratio of 1.25% sits at the 82nd percentile of structural peers — worth a closer look.
- On Net worth ratio, the asset-size band puts this credit union at the 79th percentile but its structural peers at the 59th — a 20-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | PEARL MUNICIPAL | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.96M | 29th pct | 28th pct |
| Members | 711 | 62th pct | 59th pct |
| Net worth ratio | 26.63% | 79th pct | 59th pct |
| Return on average assets | 1.31% | 80th pct | 72th pct |
| Net interest margin | 5.72% | 88th pct | 74th pct |
| Cost of funds | 1.45% | 77th pct | 62th pct |
| Loan-to-share | 108.14% | 96th pct | 84th pct |
| Delinquency 60+ days | 0.81% | 50th pct | 48th pct |
| Net charge-off ratio | 1.25% | 88th pct | 82th pct |
| Loan growth YoY | 1.72% | 80th pct | 69th pct |
| Share growth YoY | 2.32% | 67th pct | 57th pct |
| Efficiency ratio | 86.05% | 50th pct | 52th pct |
structural peer set hash: d0e278d3f84186b8e6916e68c8694fdd… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.