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Pearl District Credit Union

Overview
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Pearl District Credit Union is a federal credit union based in Tulsa, Oklahoma. It has been opened since 1951, for 69 years.

With around $13,020,000 in assets, Pearl District Credit Union is considered to be a medium size credit union.

About
Address Po Box 4682
Tulsa, Oklahoma 74159
Website http://hillcrestcreditunion.com
Phone (918) 579-7998
Fax (918) 592-4329
CEO Linda S. Curtis
President of the Board David Hemsoth
Services Offered
Map
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Score Card
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69 years
Years in business
Opened in 1951
Well Capitalized
Net worth classification
Source: NCUA
1,667 members
Membership type: Multiple common bond – primary health care
Below average number of members
476:1
Credit union member to staff ratio
476 per each FTE employee
Compared to 411:1 nationally
Fewer staff
$13,024,255
Total assets
Below average
1 branch
Compared with an average of 4 nationally and 4 in Oklahoma
Average number of branches
0.10%
Savings interest rate
Compared to 0.3% nationally
Branches
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1 branch
Compared with an average of 4 nationally and 4 in Oklahoma
Average number of branches
Pearl District Credit Union Branch Locations

Pearl District Federal Credit Union
1635 E. 11th Street
Tulsa, Oklahoma 74120
No ATM
Members
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1,667 members
Membership type: Multiple common bond – primary health care
Below average number of members

With 1,667 members, the Pearl District Credit Union is considered to be a small credit union. It is smaller than 70% of credit unions.

Fees
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$44
Average fee per member
The average fee per member at the Pearl District Credit Union is $44, which is comparable to most credit unions. This rate is lower than 53% of all credit unions.
Fees are average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Pearl District Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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476:1
Credit union member to staff ratio
476 per each FTE employee
Compared to 411:1 nationally
Fewer staff
4 staff members
FTE (full-time equivalent)
25% of employees are part-time
3 full-time, 1 part-time

Pearl District Credit Union has 3 full-time staff members and 1 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 75% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Pearl District Credit Union has around 476 members per staff, a higher ratio compared to other credit unions.

Assets
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$13,024,255
Total assets
Below average
Net worth
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
15.8%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
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$6,805
Average loan and lease size
Loan & lease sizes are small. They are smaller than at 79% of credit unions.

Pearl District Credit Union holds a total of $6,940,000 in loans and leases, which is about $6,805 per member on average.

Savings interest rate
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0.10%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Pearl District Credit Union pays 0.10%.

Loan rates
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9.75%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
9.75%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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3.25%
New car loan rate
Compared to 4.0% nationally
4.25%
Used car loan rate
Compared to 5.2% nationally
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