BlastPoint's Credit Union Scorecard
PILGRIM BAPTIST
Charter #65231 · IL
2596 CUs in <100M nationally
143 in IL
PILGRIM BAPTIST has 6 strengths but faces 16 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 21.3% YoY
- + Indirect Auto Concentration (%): Top 0.0% in tier
- + First Mortgage Concentration (%): Top 0.0% in tier
- + Share Certificate Concentration (%): Top 0.0% in tier
- + Member Growth Rate: Top 1.6% in tier
- + Net Charge-Off Rate: Top 9.4% in tier
Key Concerns
Areas that may need attention
- - ROA 3.02% below tier average
- - Efficiency ratio 309.88% above tier (higher cost structure)
- - Delinquency rate 35.34% above tier average
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Delinquency Rate (60+ days): Bottom 0.6% in tier
- - Net Interest Margin (NIM): Bottom 0.7% in tier
- - Loan-to-Share Ratio: Bottom 0.7% in tier
- - Total Loans: Bottom 0.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 0.7% in tier
- - Loan Growth Rate: Bottom 1.0% in tier
- - Total Assets: Bottom 1.4% in tier
- - AMR Growth Rate: Bottom 1.7% in tier
- - Total Deposits: Bottom 1.7% in tier
- - Average Member Relationship (AMR): Bottom 1.7% in tier
- - Total Members: Bottom 2.9% in tier
- - Fee Income Per Member: Bottom 3.9% in tier
Core Metrics
As of 2025-Q3
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
148
+21.3% YoY+1.4% QoQ
|
-2.5K |
2,625
-2.2% YoY
|
21,352
+8.3% YoY
|
33,089
+6.1% YoY
|
Bottom 2.9% in tier |
| Assets |
$249,741
-4.7% YoY-1.6% QoQ
|
$-29.6M |
$29.9M
+1.1% YoY
|
$379.6M
+9.6% YoY
|
$547.7M
+7.8% YoY
|
Bottom 1.4% in tier |
| Loans |
$1,832
-80.3% YoY-52.2% QoQ
|
$-15.8M |
$15.8M
-2.4% YoY
|
$267.7M
+12.9% YoY
|
$388.7M
+8.6% YoY
|
Bottom 0.6% in tier |
| Deposits |
$191,549
-2.7% YoY-1.0% QoQ
|
$-25.3M |
$25.5M
+0.4% YoY
|
$314.3M
+10.4% YoY
|
$464.6M
+9.3% YoY
|
Bottom 1.6% in tier |
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| ROA |
-2.3%
-224.4% YoY+28.8% QoQ
|
-3.0% |
0.7%
-731.4% YoY
|
0.8%
-108.9% YoY
|
0.7%
+273.4% YoY
|
Bottom 2.7% in tier |
| NIM |
0.8%
-81.1% YoY-8.7% QoQ
|
-3.1% |
3.9%
+3.8% YoY
|
3.7%
+5.1% YoY
|
3.7%
+5.0% YoY
|
Bottom 0.6% in tier |
| Efficiency Ratio |
391.3%
+600.7% YoY+27.7% QoQ
|
+309.9% |
81.4%
-2.4% YoY
|
90.4%
+10.2% YoY
|
79.1%
-3.3% YoY
|
Top 0.5% in tier |
| Delinquency Rate |
36.8%
-10.3% YoY+66.1% QoQ
|
+35.3 |
1.5%
-2.0% YoY
|
1.5%
-12.1% YoY
|
1.2%
-0.9% YoY
|
Top 0.6% in tier |
| Loan To Share |
1.0%
-79.8% YoY-51.7% QoQ
|
-60.3% |
61.2%
-3.0% YoY
|
62.3%
-1.7% YoY
|
68.0%
-1.7% YoY
|
Bottom 0.5% in tier |
| AMR |
$1,307
-22.7% YoY-3.3% QoQ
|
$-13K |
$14,627
-2.7% YoY
|
$15,032
+2.8% YoY
|
$19,418
+1.3% YoY
|
Bottom 1.7% in tier |
| CD Concentration | 0.0% | -24.4% |
24.4%
+4.2% YoY
|
13.7%
+4.0% YoY
|
19.6%
+6.2% YoY
|
50% |
| Indirect Auto % | 0.0% | -14.0% |
14.0%
-5.7% YoY
|
7.2%
+3.4% 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 (6 metrics)
1
Indirect Auto Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Avg: -
#1 of 2596
Top 0.0% in <100M tier
42
Member Growth Rate
growth
Value:
21.31%
Peer Avg: -
#42 of 2596
Top 1.6% in <100M tier
246
Net Charge-Off Rate
risk
Value:
0.00%
Peer Avg: -
#246 of 2596
Top 9.4% in <100M tier
350
Net Worth Ratio
risk
Value:
23.30%
Peer Avg: -
#350 of 2596
Top 13.4% in <100M tier
Top Weaknesses (16 metrics)
2596
Members Per Employee (MPE)
engagement
Value:
-
Peer Avg: -
#2596 of 2596
Bottom 0.0% in <100M tier
2583
Efficiency Ratio
profitability
Value:
391.28%
Peer Avg: -
#2583 of 2596
Bottom 0.5% in <100M tier
2581
Total Delinquency Rate (60+ days)
risk
Value:
36.84%
Peer Avg: -
#2581 of 2596
Bottom 0.6% in <100M tier
2580
Net Interest Margin (NIM)
profitability
Value:
0.80%
Peer Avg: -
#2580 of 2596
Bottom 0.7% in <100M tier
2580
Loan-to-Share Ratio
balance_sheet
Value:
0.96%
Peer Avg: -
#2580 of 2596
Bottom 0.7% in <100M tier
2580
Total Loans
balance_sheet
Value:
$1,832
Peer Avg: -
#2580 of 2596
Bottom 0.7% in <100M tier
2579
Loan-to-Member Ratio (LMR)
engagement
Value:
$12.38
Peer Avg: -
#2579 of 2596
Bottom 0.7% in <100M tier
2571
Loan Growth Rate
growth
Value:
-80.34%
Peer Avg: -
#2571 of 2596
Bottom 1.0% in <100M tier
2560
Total Assets
balance_sheet
Value:
$249,741
Peer Avg: -
#2560 of 2596
Bottom 1.4% in <100M tier
2554
AMR Growth Rate
growth
Value:
-22.72%
Peer Avg: -
#2554 of 2596
Bottom 1.7% in <100M tier