PEARL MUNICIPAL Credit Union Profile

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PEARL MUNICIPAL

Charter #24880 | NCUA Region 2 | FCU
Low-Income Designation: Yes
Report Date: 2025

Headquarters Contact & Staff

Contact & Info

Phone: (601) 939-3126

Fax:

Founding Date: N/A

Website: https://www.pearlcu.com

Personnel & Operations

President: White, Lanell

Manager: Williams, Karen

FT Employees: 0

PT Employees: 3

Designations & Ratios

MDI Status: No

RBC Ratio: 0%

Membership Type: 36

Branches: 2

Hours: No set hours

Credit Union Profile Summary

PEARL MUNICIPAL is a FCU Credit Union. With a total of 688 members [1], this institution manages approximately $1,994,110 in total assets [1]. It proudly serves as a Low-Income Designated institution. Key financial indicators show a solid Net Worth Ratio of 25.91% [1] and a strong Loan-to-Share Ratio, with loan growth over the last four quarters at -0.49% [1].

Financial Snapshot

Total Assets [1]
$1,994,110

Total economic resources.

Total Loans [1]
$1,519,049

Total value of outstanding loans.

Total Deposits [1]
$1,477,443

Total funds deposited by members.

Members [1]
688

Number of active members.

Performance Ratios

Net Worth Ratio [1]
25.91%

This is the credit union's safety cushion; 7.0% is the regulatory minimum. A higher ratio means the credit union is stable.

Return on Assets (ROAA) [1]
2.56%

Measures profitability. Shows profit generated per dollar of assets. Near 1.0% is considered strong.

Loan-to-Share Ratio [1]
102.82%

Measures lending activity using member deposits. Below 100% is generally healthy, balancing lending and liquidity.

Four-Quarter Growth

Asset Growth (4Q) [1]
5.42%

Indicates change in total size. Positive growth means the credit union is expanding its operations.

Loan Growth (4Q) [1]
-0.49%

Shows change in lending activity. Positive growth means they are actively increasing their lending business.

Member Growth (4Q) [1]
1.47%

Indicates change in member count. Positive growth is a sign of a healthy, expanding member base.

Headquarters Location & Map

Headquarters Address

2420 Old Brandon Rd

Pearl, MS, 39208-4601

Member Ratings & Reviews

Average Member Rating:

N/A / 5.0

Total Approved Reviews:

0

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Branch Locations

Found 2 branches reported by PEARL MUNICIPAL (Charter #24880).

Main Office

Pearl Municipal Credit Union Main Office

Type: Corporate Office

2420 Old Brandon Rd

Pearl, MS 39208-4601

Phone: (601) 939-3126

Services: None specified

Open in Directions

Additional Branches

Pearl

Pearl Municipal Credit Union

Type: Branch Office

2878 Teasley Dr

Pearl, MS 39208-5840

Phone: (601) 259-2347

Services: None specified

Open in Directions