PILGRIM CUCC
Charter #15817 · Houston, TX · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 213 sits at the 10th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 11.57% sits at the 97th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.00% ranks in the 23rd percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 104.65% sits at the 82nd percentile of structural peers — worth a closer look.
- On Net worth ratio, the asset-size band puts this credit union at the 23rd percentile but its structural peers at the 46th — a 23-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | PILGRIM CUCC | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $1.01M | 17th pct | 5th pct |
| Members | 213 | 16th pct | 10th pct |
| Net worth ratio | 12.24% | 23th pct | 46th pct |
| Return on average assets | -0.27% | 27th pct | 28th pct |
| Net interest margin | 5.01% | 77th pct | 72th pct |
| Cost of funds | 1.55% | 79th pct | 62th pct |
| Loan-to-share | 63.07% | 56th pct | 41th pct |
| Delinquency 60+ days | 11.57% | 96th pct | 97th pct |
| Net charge-off ratio | 0.00% | 22th pct | 23th pct |
| Loan growth YoY | -9.89% | 29th pct | 18th pct |
| Share growth YoY | 9.97% | 94th pct | 92th pct |
| Efficiency ratio | 104.65% | 77th pct | 82th pct |
structural peer set hash: df531b60fd5e000eb1566b5f947dd0cc… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.