BlastPoint's Credit Union Scorecard
PILGRIM CUCC
Charter #15817 · TX
2596 CUs in <100M nationally
245 in TX
PILGRIM CUCC has 3 strengths but faces 11 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Net Interest Margin 1.55% 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 0.92% below tier average
- - Efficiency ratio 22.22% above tier (higher cost structure)
- - Delinquency rate 6.83% above tier average
- - Member decline: -4.5% YoY
- - Total Delinquency Rate (60+ days): Bottom 2.7% in tier
- - Asset Growth Rate: Bottom 4.9% in tier
- - Deposit Growth Rate: Bottom 5.0% in tier
- - Total Members: Bottom 5.0% in tier
- - Total Assets: Bottom 5.3% in tier
- - Total Deposits: Bottom 5.9% in tier
- - Total Loans: Bottom 8.6% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
212
-4.5% YoY+1.0% QoQ
|
-2.4K |
2,625
-2.2% YoY
|
26,896
+3.7% YoY
|
33,089
+6.1% YoY
|
Bottom 5.0% in tier |
| Assets |
$939,312
-10.5% YoY-1.8% QoQ
|
$-28.9M |
$29.9M
+1.1% YoY
|
$411.3M
+5.9% YoY
|
$547.7M
+7.8% YoY
|
Bottom 5.2% in tier |
| Loans |
$617,447
-12.3% YoY+1.1% QoQ
|
$-15.2M |
$15.8M
-2.4% YoY
|
$295.8M
+5.3% YoY
|
$388.7M
+8.6% YoY
|
Bottom 8.6% in tier |
| Deposits |
$802,193
-12.3% YoY-2.6% QoQ
|
$-24.7M |
$25.5M
+0.4% YoY
|
$341.5M
+6.1% YoY
|
$464.6M
+9.3% YoY
|
Bottom 5.9% in tier |
| ROA |
-0.2%
-137.1% YoY-44.7% QoQ
|
-0.9% |
0.7%
-731.4% YoY
|
0.5%
-24.0% YoY
|
0.7%
+273.4% YoY
|
Bottom 11.9% in tier |
| NIM |
5.5%
+5.9% YoY+6.1% QoQ
|
+1.5% |
3.9%
+3.8% YoY
|
3.9%
+4.3% YoY
|
3.7%
+5.0% YoY
|
Top 7.4% in tier |
| Efficiency Ratio |
103.6%
+15.2% YoY-3.1% QoQ
|
+22.2% |
81.4%
-2.4% YoY
|
79.6%
-0.9% YoY
|
79.1%
-3.3% YoY
|
Top 9.2% in tier |
| Delinquency Rate |
8.3%
+3940.6% YoY+328.3% QoQ
|
+6.8 |
1.5%
-2.0% YoY
|
1.2%
+20.3% YoY
|
1.2%
-0.9% YoY
|
Top 2.7% in tier |
| Loan To Share |
77.0%
-0.0% YoY+3.8% QoQ
|
+15.7% |
61.2%
-3.0% YoY
|
71.8%
-2.5% YoY
|
68.0%
-1.7% YoY
|
73% |
| AMR |
$6,696
-8.2% YoY-1.9% QoQ
|
$-8K |
$14,627
-2.7% YoY
|
$17,515
+1.3% YoY
|
$19,418
+1.3% YoY
|
Bottom 14.1% in tier |
| CD Concentration |
36.4%
+17.3% YoY+2.7% QoQ
|
+12.0% |
24.4%
+4.2% YoY
|
20.9%
+7.1% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.8% YoY
|
7.2%
-0.2% YoY
|
7.9%
-2.9% YoY
|
50% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (0)
No concerns identified
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)
Top Strengths (3 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 2.84%
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: 14.49%
#1 of 2596
Top 0.0% in <100M tier
192
Net Interest Margin (NIM)
profitability
Value:
5.48%
Peer Avg: 3.93%
#192 of 2596
Top 7.4% in <100M tier
Top Weaknesses (17 metrics)
2526
Total Delinquency Rate (60+ days)
risk
Value:
8.34%
Peer Avg: 1.51%
#2526 of 2596
Bottom 2.7% in <100M tier
2469
Asset Growth Rate
growth
Value:
-10.53%
Peer Avg: 1.82%
#2469 of 2596
Bottom 4.9% in <100M tier
2466
Deposit Growth Rate
growth
Value:
-12.28%
Peer Avg: 16.80%
#2466 of 2596
Bottom 5.0% in <100M tier
2466
Total Members
engagement
Value:
212
Peer Avg: 2,626
#2466 of 2596
Bottom 5.0% in <100M tier
2460
Total Assets
balance_sheet
Value:
$939,312
Peer Avg: $29.86M
#2460 of 2596
Bottom 5.3% in <100M tier
2444
Total Deposits
balance_sheet
Value:
$802,193
Peer Avg: $25.45M
#2444 of 2596
Bottom 5.9% in <100M tier
2373
Total Loans
balance_sheet
Value:
$617,447
Peer Avg: $15.77M
#2373 of 2596
Bottom 8.6% in <100M tier
2358
Efficiency Ratio
profitability
Value:
103.61%
Peer Avg: 81.39%
#2358 of 2596
Bottom 9.2% in <100M tier
2336
Share Certificate Concentration (%)
balance_sheet
Value:
36.41%
Peer Avg: 15.37%
#2336 of 2596
Bottom 10.1% in <100M tier
2327
AMR Growth Rate
growth
Value:
-8.16%
Peer Avg: 4.67%
#2327 of 2596
Bottom 10.4% in <100M tier