State credit union · Chicago, Illinois · NCUA charter #65231
Pilgrim Baptist
Health score 70/100 (Very Good) - from the NCUA 5300 Call Report, 2025Q4.
- 70
- Health / 100
- $250K
- Total assets
- 136
- Members
- 20.3%
- Net-worth ratio
Pilgrim Baptist - Share Insurance Coverage
Below: composite supervisory bracket and risk-based capital for charter #65231, per the 2025Q4 NCUA Call Report. Our deposit-insurance coverage note explains how the $250,000 NCUSIF ceiling works.
Pilgrim Baptist - Five Health Pillars
This credit union's pillar breakdown: five 0-100 sub-scores below, which weight-and-sum to the headline health score above. Same underlying NCUA 5300 figures throughout, no normalisation tricks.
- Capital (net worth ratio)100
- Asset quality (delinquency)20
- Earnings (ROA)93
- Member growth100
- Liquidity (loan-to-share)42
Weighted composite: 70/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.
At 20.34%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
Financial Health Metrics
| Metric | Value | Weight |
|---|---|---|
| Net Worth Ratio | 20.34% | 30% |
| Delinquency Rate | 3.18% | 25% |
| Return on Assets | 0.43% | 15% |
| Member Growth | 13.33% | 15% |
| Loan-to-Share Ratio | 2.62% | 15% |
Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2025Q4 | $250K | 136 |
| 2024Q4 | $258K | 120 |
| 2023Q4 | $259K | 117 |
Credit Union Details
- Charter Number
- 65231
- Type
- State
- Field of Membership
- Other
- Peer Group
- Under $2M
- State
- Illinois
- City
- Chicago
- Data Quarter
- 2025Q4
What This Data Says About Pilgrim Baptist
Charter #65231, peer group Under $2M, a cohort of 243 similarly-sized institutions: that's Pilgrim Baptist, a state credit union in Chicago, Illinois with 136 members, $250K in total assets, and $5K in outstanding loans as of Q4 2025. The five-factor composite scores it 70/100 (Very Good), helped by a net worth ratio of 20.34% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.
Loan book quality rounds out the picture. The delinquency rate of 3.18% measures loans 60+ days past due against total loans outstanding - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running tighter than peers. The loan-to-share ratio of 2.62% indicates how aggressively member deposits are being deployed into lending, below the 60% band that typically signals under-deployed capital. Return on assets stands at 0.43% on net income of $1K for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.
Year-over-year membership changed by 13.33%. The quarterly NCUA 5300 Call Report is the source for everything above, current through 2025Q4. Field of membership (currently: Other) decides eligibility to join. NCUSIF deposit-insurance coverage and usage guidance for this data live on our disclaimer page.
Nearby Credit Unions in Illinois
More federally-insured credit unions based in Illinois, ordered by peer group match and asset size.
Sources & disclaimer
Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.
Frequently Asked Questions
Is Pilgrim Baptist financially healthy?
Pilgrim Baptist has a financial health score of 70/100 (Very Good) based on NCUA 5300 Call Report data as of Q4 2025. Scores above 80 indicate excellent financial health; scores below 50 may warrant closer monitoring. Key factors include net worth ratio of 20.34% and delinquency rate of 3.18%.
How does Pilgrim Baptist compare to other credit unions?
On PlainCU's health composite, Pilgrim Baptist lands at 70/100, compared to a peer group average for Under $2M credit unions. Five NCUA-reported metrics feed that number: net worth ratio (weighted 30%), delinquency rate (25%), return on assets (15%), member growth (15%), and loan-to-share ratio (15%).
What is a credit union health score?
A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.
How can I join Pilgrim Baptist?
Membership eligibility for Pilgrim Baptist depends on its field of membership - currently: Other. Credit unions typically require a common bond such as employer, location, or association membership. Contact Pilgrim Baptist directly for current membership requirements and application steps.
Is my money safe at Pilgrim Baptist?
Federal credit unions like Pilgrim Baptist are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Pilgrim Baptist's net worth ratio of 20.34% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Pilgrim Baptist offer compared to banks?
Credit unions like Pilgrim Baptist are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Pilgrim Baptist directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
Read our methodology - how this data is sourced, computed, and verified.
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.