BlastPoint's Credit Union Scorecard
PILGRIM CUCC
Charter #15817 · TX
PILGRIM CUCC has 1 strength but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 0.75% above tier average
Key Concerns
Areas that may need attention
- - ROA 0.40% below tier average
- - Efficiency ratio 14.02% above tier (higher cost structure)
- - Delinquency rate 10.07% above tier average
- - Total Delinquency Rate (60+ days): Bottom 1.9% in tier
- - Total Members: Bottom 5.1% in tier
- - Total Assets: Bottom 5.4% in tier
- - Total Deposits: Bottom 6.1% in tier
- - Total Loans: Bottom 8.5% in tier
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
213
+0.5% YoY+1.9% QoQ
|
-2.5K |
2,676
+1.6% YoY
|
29,039
+7.4% YoY
|
33,913
+5.7% YoY
|
Bottom 5.0% in tier |
| Assets |
$1.0M
+3.0% YoY+11.6% QoQ
|
$-29.2M |
$30.2M
+1.3% YoY
|
$450.8M
+10.3% YoY
|
$578.3M
+9.0% YoY
|
Bottom 5.4% in tier |
| Loans |
$556,406
-10.9% YoY-6.2% QoQ
|
$-14.7M |
$15.3M
-2.0% YoY
|
$318.1M
+8.9% YoY
|
$402.4M
+8.7% YoY
|
Bottom 8.4% in tier |
| Deposits |
$882,195
+4.0% YoY+13.6% QoQ
|
$-24.9M |
$25.8M
+0.7% YoY
|
$378.7M
+10.8% YoY
|
$494.3M
+9.1% YoY
|
Bottom 6.1% in tier |
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| ROA |
-0.3%
-68.2% YoY-46.9% QoQ
|
-0.4% |
0.1%
-77.6% YoY
|
-0.2%
-134.7% YoY
|
0.4%
-39.2% YoY
|
16% |
| NIM |
4.8%
-8.2% YoY-14.5% QoQ
|
+0.7% |
4.0%
+4.0% YoY
|
3.9%
-0.7% YoY
|
3.8%
+4.1% YoY
|
84% |
| Efficiency Ratio |
104.7%
-7.7% YoY-2.3% QoQ
|
+14.0% |
90.6%
+6.5% YoY
|
98.7%
+20.4% YoY
|
84.6%
+2.8% YoY
|
Bottom 12.8% in tier |
| Delinquency Rate |
11.6%
+245.5% YoY+20.0% QoQ
|
+10.1 |
1.5%
+3.8% YoY
|
1.2%
+13.1% YoY
|
1.2%
+3.4% YoY
|
Bottom 1.9% in tier |
| Loan To Share |
63.1%
-14.4% YoY-17.4% QoQ
|
+4.6% |
58.5%
-3.0% YoY
|
69.5%
-2.6% YoY
|
65.6%
-1.4% YoY
|
57% |
| AMR |
$6,754
-2.8% YoY+3.1% QoQ
|
$-8K |
$14,884
-1.7% YoY
|
$17,820
+2.9% YoY
|
$19,920
+1.6% YoY
|
Bottom 14.0% in tier |
| CD Concentration |
34.2%
-0.5% YoY-12.0% QoQ
|
+9.9% | 24.3% | 21.3% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 6.9% | 7.7% | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)