Sep, 30, 2025 — PEARL MUNICIPAL FEDERAL CREDIT UNION is a federal credit union headquartered in PEARL, MS with 2 branch locations and about $1.92 million in total assets. Opened 45 years ago in 1981, PEARL MUNICIPAL FEDERAL CREDIT UNION has about 712 members and employs 3 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | PEARL MUNICIPAL FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 2420 Old Brandon Rd PEARL, MS 39208-4601 |
| Phone: | (601) 939-3126 |
| Fax: | |
| Website: | https://www.pearlcu.com |
| Branches: | 2 branch locations |
| Members: | 712 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 24880 |
|---|---|
| Membership Type: | Multiple common bond - Primarily federal, state, local government |
| Corporate Credit Union: | No |
| Year Opened: | 1981 |
| Last Audited: | Apr 01, 2025 |
| FHLB Member: | No |
| Low Income Designation: | No |
| Assets: | $1,924,725 |
| CEO/Manager: | Karen M Williams |
| Chairperson: | Lanell White |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 285,499 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 0 |
| Unsecured Loans | 467,702 |
| Other Loans | 1,053,744 |
| TOTAL LOANS | 1,521,446 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -2,256 |
| Land And Building | 0 |
| Other Fixed Assets | 0 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 18,528 |
| All Other Assets | 0 |
| TOTAL ASSETS | 1,924,725 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 5,100 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 100 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 0 |
| Regular shares | 1,398,655 |
| All Other Shares & Deposits | 0 |
| TOTAL SHARES & DEPOSITS | 1,398,655 |
| TOTAL LIABILITIES | 1,403,855 |
| Regular Reserve | 0 |
| Other Reserves | 27,097 |
| Undivided Earnings | 493,773 |
| TOTAL EQUITY | 520,870 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 1,924,725 |
| INCOME & EXPENSE | |
| Loan Income | 91,033 |
| Investment Income | 3,563 |
| Other Income | 10,442 |
| Total Employee Compensation & Benefits | 29,308 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 27,202 |
| Non-operating Income & (Expense) | 0 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 2,563 |
| Cost of Funds | 15,418 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | 30,547 |
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