Pearl Municipal

Performance vs peers

Percentile rank within the Micro (<$50M) peer group (1,972 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets

$1.9M

12^th percentile

Members

712

26^th percentile

Total loans

$1.6M

20^th percentile

Total shares

$1.4M

12^th percentile

Profitability

Return on assets

1.27%

71^th percentile

Net interest margin

5.74%

93^th percentile

Efficiency ratio

52.02%

80^th percentile

Non-interest income ratio

10.92%

56^th percentile

Capital & Risk

Net worth ratio

26.72%

89^th percentile

Delinquency rate

0.66%

52^th percentile

Net charge-off rate

1.14%

14^th percentile

Loan-to-share

110.90%

97^th percentile

Growth

Member growth YoY

4.71%

93^th percentile

Asset growth YoY

-2.04%

29^th percentile

Loan growth YoY

5.70%

81^th percentile

Share growth YoY

-4.38%

23^th percentile

Operations

Members / branch

356

16^th percentile

Assets / member

$2,707

6^th percentile

Field of membership penetration

98.89%

99^th percentile

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