BlastPoint's Credit Union Scorecard
PILGRIM BAPTIST
Charter #65231 · IL
<100M
2556 CUs in <100M nationally
138 in IL
PILGRIM BAPTIST has 3 strengths but faces 8 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Strong member growth: 13.3% YoY
- + Member Growth Rate: Top 2.2% in tier
- + Net Charge-Off Rate: Top 8.1% in tier
Key Concerns
Areas that may need attention
- - ROA 1.97% below tier average
- - Efficiency ratio 143.86% above tier (higher cost structure)
- - Delinquency rate 1.63% above tier average
- - Members Per Employee (MPE): Bottom 0.0% in tier
- - Total Loans: Bottom 0.7% in tier
- - Loan-to-Share Ratio: Bottom 0.7% in tier
- - Loan-to-Member Ratio (LMR): Bottom 0.8% in tier
- - Net Interest Margin (NIM): Bottom 1.0% in tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (IL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
136
+13.3% YoY-8.1% QoQ
|
-2.5K |
2,615
-1.9% YoY
|
21,665
+5.6% YoY
|
33,374
+5.7% YoY
|
Bottom 2.5% in tier |
| Assets |
$249,674
-3.1% YoY-0.0% QoQ
|
$-29.9M |
$30.1M
+2.1% YoY
|
$394.9M
+10.3% YoY
|
$561.6M
+9.7% YoY
|
Bottom 1.4% in tier |
| Loans |
$4,997
-32.5% YoY+172.8% QoQ
|
$-15.8M |
$15.8M
-1.3% YoY
|
$275.6M
+9.5% YoY
|
$397.0M
+8.8% YoY
|
Bottom 0.7% in tier |
| Deposits |
$190,548
-2.3% YoY-0.5% QoQ
|
$-25.5M |
$25.7M
+1.4% YoY
|
$330.4M
+9.6% YoY
|
$477.3M
+9.7% YoY
|
Bottom 1.5% in tier |
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| ROA |
-1.4%
-426.8% YoY-42.1% QoQ
|
-2.0% |
0.6%
+10.8% YoY
|
0.6%
-12.3% YoY
|
0.7%
+15.9% YoY
|
Bottom 4.4% in tier |
| NIM |
1.1%
-62.6% YoY+33.5% QoQ
|
-2.9% |
4.0%
+4.0% YoY
|
3.6%
+3.6% YoY
|
3.8%
+5.1% YoY
|
Bottom 1.0% in tier |
| Efficiency Ratio |
226.4%
+164.7% YoY-42.1% QoQ
|
+143.9% |
82.6%
-2.3% YoY
|
89.8%
+8.5% YoY
|
79.7%
-3.3% YoY
|
Bottom 0.8% in tier |
| Delinquency Rate |
3.2%
-81.4% YoY-91.4% QoQ
|
+1.6 |
1.6%
-3.1% YoY
|
1.1%
-24.1% YoY
|
1.3%
-2.1% YoY
|
Bottom 12.1% in tier |
| Loan To Share |
2.6%
-30.9% YoY+174.2% QoQ
|
-58.0% |
60.6%
-3.1% YoY
|
62.0%
-1.0% YoY
|
67.4%
-1.7% YoY
|
Bottom 0.6% in tier |
| AMR |
$1,438
-14.8% YoY+10.0% QoQ
|
$-13K |
$14,783
-1.4% YoY
|
$15,477
+4.9% YoY
|
$19,687
+2.0% YoY
|
Bottom 1.6% in tier |
| CD Concentration | 0.0% | -24.4% | 24.4% | 14.1% | 19.8% | 50% |
| Indirect Auto % | 0.0% | -13.8% | 13.8% | 7.1% | 7.8% | 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 Median: -
#1 of 2556
Top 0.1% in <100M tier
1
First Mortgage Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
1
Share Certificate Concentration (%)
balance_sheet
Value:
0.00%
Peer Median: -
#1 of 2556
Top 0.1% in <100M tier
58
Member Growth Rate
growth
Value:
13.33%
Peer Median: -
#58 of 2556
Top 2.2% in <100M tier
208
Net Charge-Off Rate
risk
Value:
0.00%
Peer Median: -
#208 of 2556
Top 8.1% in <100M tier
337
Net Worth Ratio
risk
Value:
23.68%
Peer Median: -
#337 of 2556
Top 13.1% in <100M tier
Top Weaknesses (16 metrics)
2556
Members Per Employee (MPE)
engagement
Value:
-
Peer Median: -
#2556 of 2556
Bottom 0.1% in <100M tier
2539
Total Loans
balance_sheet
Value:
$4,997
Peer Median: -
#2539 of 2556
Bottom 0.7% in <100M tier
2538
Loan-to-Share Ratio
balance_sheet
Value:
2.62%
Peer Median: -
#2538 of 2556
Bottom 0.7% in <100M tier
2537
Efficiency Ratio
profitability
Value:
226.42%
Peer Median: -
#2537 of 2556
Bottom 0.8% in <100M tier
2536
Loan-to-Member Ratio (LMR)
engagement
Value:
$36.74
Peer Median: -
#2536 of 2556
Bottom 0.8% in <100M tier
2531
Net Interest Margin (NIM)
profitability
Value:
1.07%
Peer Median: -
#2531 of 2556
Bottom 1.0% in <100M tier
2520
Total Assets
balance_sheet
Value:
$249,674
Peer Median: -
#2520 of 2556
Bottom 1.4% in <100M tier
2518
Total Deposits
balance_sheet
Value:
$190,548
Peer Median: -
#2518 of 2556
Bottom 1.5% in <100M tier
2514
Average Member Relationship (AMR)
engagement
Value:
$1,438
Peer Median: -
#2514 of 2556
Bottom 1.7% in <100M tier
2510
Loan Growth Rate
growth
Value:
-32.48%
Peer Median: -
#2510 of 2556
Bottom 1.8% in <100M tier