BlastPoint's Credit Union Scorecard
PILGRIM CUCC
Charter #15817 · TX
PILGRIM CUCC has 3 strengths but faces 12 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.61% above tier average
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
Key Concerns
Areas that may need attention
- - ROA 1.11% below tier average
- - Efficiency ratio 24.61% above tier (higher cost structure)
- - Delinquency rate 8.08% above tier average
- - Member decline: -5.4% YoY
- - Total Delinquency Rate (60+ days): Bottom 2.4% in tier
- - Total Assets: Bottom 4.8% in tier
- - Total Members: Bottom 5.0% in tier
- - Total Deposits: Bottom 5.4% in tier
- - Asset Growth Rate: Bottom 7.1% in tier
- - Share Certificate Concentration (%): Bottom 8.2% in tier
- - Total Loans: Bottom 8.3% in tier
- - Deposit Growth Rate: Bottom 8.8% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
209
-5.4% YoY-1.4% QoQ
|
-2.4K |
2,615
-1.9% YoY
|
27,007
+3.4% YoY
|
33,374
+5.7% YoY
|
Bottom 4.9% in tier |
| Assets |
$905,026
-8.2% YoY-3.7% QoQ
|
$-29.2M |
$30.1M
+2.1% YoY
|
$418.5M
+7.2% YoY
|
$561.6M
+9.7% YoY
|
Bottom 4.7% in tier |
| Loans |
$592,892
-11.2% YoY-4.0% QoQ
|
$-15.2M |
$15.8M
-1.3% YoY
|
$298.6M
+5.4% YoY
|
$397.0M
+8.8% YoY
|
Bottom 8.2% in tier |
| Deposits |
$776,668
-8.8% YoY-3.2% QoQ
|
$-24.9M |
$25.7M
+1.4% YoY
|
$347.2M
+7.2% YoY
|
$477.3M
+9.7% YoY
|
Bottom 5.4% in tier |
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| ROA |
-0.5%
-160.9% YoY+106.4% QoQ
|
-1.1% |
0.6%
+10.8% YoY
|
0.6%
+2.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 9.2% in tier |
| NIM |
5.6%
+0.6% YoY+1.5% QoQ
|
+1.6% |
4.0%
+4.0% YoY
|
3.9%
+3.4% YoY
|
3.8%
+5.1% YoY
|
Top 6.6% in tier |
| Efficiency Ratio |
107.2%
+21.5% YoY+3.4% QoQ
|
+24.6% |
82.6%
-2.3% YoY
|
80.2%
-0.8% YoY
|
79.7%
-3.3% YoY
|
Top 7.3% in tier |
| Delinquency Rate |
9.6%
+383.3% YoY+15.5% QoQ
|
+8.1 |
1.6%
-3.1% YoY
|
1.3%
+11.4% YoY
|
1.3%
-2.1% YoY
|
Top 2.4% in tier |
| Loan To Share |
76.3%
-2.7% YoY-0.8% QoQ
|
+15.7% |
60.6%
-3.1% YoY
|
71.4%
-2.7% YoY
|
67.4%
-1.7% YoY
|
73% |
| AMR |
$6,553
-4.7% YoY-2.1% QoQ
|
$-8K |
$14,783
-1.4% YoY
|
$17,599
+2.5% YoY
|
$19,687
+2.0% YoY
|
Bottom 13.5% in tier |
| CD Concentration |
38.9%
+13.5% YoY+6.8% QoQ
|
+14.4% | 24.4% | 21.2% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 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)