Federal credit union · Houston, Texas · NCUA charter #15817
Pilgrim Cucc
Health score 60/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 60
- Health / 100
- $905K
- Total assets
- 209
- Members
- 12.2%
- Net-worth ratio
Pilgrim Cucc scores 60/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $905K; members 209; net-worth ratio 12.24%; health rank #4,061 of 4,374; healthier than 7th of scored peers.
Title II Call Report masthead
NCUA 5300 Call Report Masthead
#4,061 of 4,374 health · 2025Q4Pilgrim Cucc · health 60/100 · $905K · 2025Q4
- ASSETS 60/100
- MEM 12.2%
- RANK 9.64%
- PHOTO 0.89%
- BOOK $905K
- CHARTER 209
- NCUSIF #4,061/4,374
- CAMELS n/a
- HEALTH 15817
Call Report peers
Pilgrim Cucc carries $905K in NCUA 5300 assets, stamped as a Call Report masthead, not a rate quote or membership pitch.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
Pilgrim Cucc vs every NCUA-scored credit union
Where this credit union's health score sits among every federally insured CU with a scored NCUA 5300 filing
60 7th percentile higher than 7% of 4,374 credit unions
every scored credit union, bucketed by value
Each bar is a band; taller bars hold more credit unions. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source NCUA 5300 Call Report aggregates · 2025Q4
Pilgrim Cucc - Share Insurance Coverage
Composite supervisory bracket and risk-based capital, read from the 2025Q4 NCUA Call Report for charter #15817. See our deposit-insurance coverage note.
Pilgrim Cucc: Call Report deltas vs peers
- Largest favorable gap: Loan-to-Share Ratio at 76.34% vs peer 52.70% (+23.64 pp).
- Net Worth Ratio trails the peer set - 12.24% here, 22.93% peer average (-10.69 pp).
Peer averages are NCUA 5300 means for the Under $2M cohort (243 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
Where Pilgrim Cucc sits in Texas
- Texas health ordinal: #360 of 386.
- By total assets, Pilgrim Cucc is #381 of 386 in Texas.
- Membership ranks #382 of 386 among Texas CUs with a reported count (209 members).
In-state ordinals use the live credit_unions table for TX only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How Pilgrim Cucc's 5300 filing moved
Pilgrim Cucc: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved +11.6% from $905K (2025Q4) to $1.0M (2026Q1).
- Net-worth ratio shifted -1.49 pp (13.73% → 12.24%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
12.24% net worth puts this credit union above the NCUA's 7.0% well-capitalized bar (Prompt Corrective Action rules).
How the 60/100 score is built
Each segment is a pillar's weighted contribution to the composite; widths sum to 60.
- Net Worth Ratio 30.0 pts
- Delinquency Rate 0.0 pts
- Return on Assets 15.0 pts
- Member Growth 0.0 pts
- Loan-to-Share Ratio 15.0 pts
Pilgrim Cucc health metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 12.24% | -10.69 pp |
| Delinquency Rate | 9.64% | +5.16 pp |
| Return on Assets | 0.89% | +0.67 pp |
| Member Growth | -5.43% | - |
| Loan-to-Share Ratio | 76.34% | +23.64 pp |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).
Pilgrim Cucc filing history
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $1.0M | - |
| 2025Q4 | $905K | 209 |
| 2024Q4 | $986K | 221 |
| 2023Q4 | $910K | 224 |
Credit Union Details
- Charter Number
- 15817
- Type
- Federal
- Field of Membership
- Community/Select Employee Group
- Peer Group
- Under $2M
- State
- Texas
- City
- Houston
- Data Quarter
- 2025Q4
Branch Location
Per its most recent NCUA branch filing, Pilgrim Cucc runs one office.
| Office | City |
|---|---|
| Pilgrim CUCC Federal Credit Union (Main Office) | Houston, TX |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Texas
More federally-insured credit unions based in Texas, ordered by peer group match and asset size.
Other-state peers near Pilgrim Cucc
Two NCUA Call Report peer sets for Pilgrim Cucc, both outside Texas so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar health score
Nearest other-state credit unions by five-factor health composite (60/100 here).
Using this data
- Pilgrim Cucc ranks #4,061 of 4,374 nationally on financial health and #360 of 386 in TX -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Texas Lee is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Texas Lee
- Rates and health both vary by institution, not just by state -- see how Texas credit unions compare overall before assuming this one is typical. Texas state overview
National and state figures are benchmarks built from NCUA 5300 Call Report data, not a recommendation for any individual account decision.
Frequently Asked Questions
Is Pilgrim Cucc financially healthy?
A 12.24% net worth ratio and a 9.64% delinquency rate feed into Pilgrim Cucc's financial health score of 60/100 (Good), from NCUA 5300 Call Report data as of Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,061 of 4,374; by total assets it ranks #4,253 of 4,374 nationally (same basis as /rankings/largest); and #381 of 386 within Texas. The scale: above 80 excellent, below 50 warrants closer monitoring.
How does Pilgrim Cucc compare to other credit unions?
On PlainCU's health composite, Pilgrim Cucc lands at 60/100, 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 Cucc?
Pilgrim Cucc operates under a community charter, meaning membership is generally open to anyone who lives, works, worships, or attends school within its defined geographic service area, no employer or association tie required. Contact Pilgrim Cucc directly for the exact boundaries and application steps.
Is my money safe at Pilgrim Cucc?
Federal credit unions like Pilgrim Cucc 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 Cucc's net worth ratio of 12.24% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does Pilgrim Cucc offer compared to banks?
Credit unions like Pilgrim Cucc 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 Cucc directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.
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.