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.
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#4,061 of 4,374 health · 2025Q4Pilgrim Cucc · health 60/100 · $905K · 2025Q4
Call Report peers
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Pilgrim Cucc vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); Pilgrim Cucc sits in 60-64 with 179 others.
60 7th percentile higher than 7% of 4,374 credit unions
every scored credit union, bucketed by value
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Source NCUA 5300 Call Report aggregates · 2025Q4
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).
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).
- One place up in Texas, Southern Star (#359) ties at 60/100; one place down, Galveston Government Employees (#361) ties at 60/100.
How Pilgrim Cucc's 5300 filing moved
Pilgrim Cucc: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved +11.6% from $905K (2025Q4) to $1.0M (2026Q1).
- Net-worth ratio shifted -1.49 pp (13.73% → 12.24%).
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
Pilgrim Cucc gives up 40 points in total. Delinquency Rate costs the most, 25 of its 25; Net Worth Ratio and Return on Assets and Loan-to-Share Ratio score full marks.
- 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 |
Peer averages: Under $2M cohort, 243 credit unions, 2025Q4 filing.
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
Similar health score
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
Frequently Asked Questions
Is Pilgrim Cucc financially healthy?
Pilgrim Cucc has a financial health score of 60/100 (Good) from its 2025Q4 NCUA 5300 Call Report. It ranks #4,061 of 4,374 nationally on health and #360 of 386 in Texas. Its net worth ratio is 12.24% and its delinquency rate 9.64%.
How does Pilgrim Cucc compare to other credit unions?
Pilgrim Cucc scores 60/100, higher than 7% of the 4,374 scored credit unions. Against the 243 peers in the Under $2M cohort, its widest edge is loan-to-share ratio (76.34% vs 52.70%). Its widest shortfall is net worth ratio (12.24% vs 22.93%).
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?
Pilgrim Cucc is a federal credit union; its shares are federally 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."
Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.