PILGRIM BAPTIST
Charter #65231 · Chicago, IL · <$10M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 24.90% ranks in the 80th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 1.88% sits at the 13th percentile of structural peers — worth a closer look.
- Cost of funds of 0.00% ranks in the 0th percentile among structurally similar credit unions — a relative strength.
- Net charge-off ratio of 0.00% ranks in the 12th percentile among structurally similar credit unions — a relative strength.
- On Total assets, the asset-size band puts this credit union at the 4th percentile but its structural peers at the 30th — a 25-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 BAPTIST | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | 256,683 | 4th pct | 30th pct |
| Members | 137 | 8th pct | 33th pct |
| Net worth ratio | 24.90% | 75th pct | 80th pct |
| Return on average assets | 0.31% | 46th pct | 39th pct |
| Net interest margin | 1.88% | 6th pct | 13th pct |
| Cost of funds | 0.00% | 0th pct | 0th pct |
| Loan-to-share | 2.36% | 2th pct | 11th pct |
| Delinquency 60+ days | 0.68% | 46th pct | 61th pct |
| Net charge-off ratio | 0.00% | 22th pct | 12th pct |
| Loan growth YoY | 148.53% | 99th pct | 96th pct |
| Share growth YoY | 0.64% | 54th pct | 59th pct |
| Efficiency ratio | 91.93% | 59th pct | 62th pct |
structural peer set hash: 3a3d7230d73601982cc34e4a4039f55b… (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.