Credit Union Safety Analysis
Is Pilgrim Baptist Credit Union Safe? Chicago, Illinois
Based on its Q2 2026 NCUA 5300 call report, Pilgrim Baptist Credit Union has a net worth ratio of 25.77%, at the NCUA level for well capitalized, its 60-day delinquency ratio is not reported, and its shares are NCUA insured up to $250,000 per member.
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Short answer
On its Q2 2026 NCUA 5300 call report, Pilgrim Baptist Credit Union's net worth ratio is 25.77%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 25.77%
- Delinquency ratio (60+ days) (Q2 2026): not reported
- Return on assets (Q2 2026): 5.43%
- Loan-to-share ratio (Q2 2026): 1.62%
Pilgrim Baptist Credit Union (NCUA charter 65231, established 1953) reported $263K in assets and 137 members for Q2 2026 from Chicago, Illinois. It ranks 181 of 185 credit unions in Illinois by total assets. Total assets grew 3.5% from $254K on June 30, 2025. It has 9 fewer members than on June 30, 2025 (-6.2%). Its net worth ratio was up 2.01 percentage points from 23.76% on June 30, 2025. Other unsecured loans and lines of credit are its largest loan category, $3K of $3K in total loans on its June 30, 2026 filing.
Data as of · sourced from NCUA 5300 call reports. How we update
Scorecard by dimension
Median of the 2,479 credit unions with under $100M in assets: 14.31%; middle half of peers: 11.14% to 19.38%.
Earlier filings: 24.90% for Q1 2026; 23.76% for Q2 2025.
Median of the 2,162 credit unions with under $100M in assets: 0.86%; middle half of peers: 0.35% to 1.93%.
Earlier filings: 0.68% for Q1 2026; 22.18% for Q2 2025.
Median of the 2,477 credit unions with under $100M in assets: 0.72%; middle half of peers: 0.16% to 1.30%.
Earlier filings: 0.30% for Q1 2026; -1.02% for Q2 2025.
Median of the 2,470 credit unions with under $100M in assets: 58.92%; middle half of peers: 42.33% to 75.81%.
Earlier filings: 2.36% for Q1 2026; 1.98% for Q2 2025.
Loans by type, Q2 2026
- Other unsecured loans and lines of credit: $3K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $263K | 25.77% | — | 5.43% | 1.62% |
| March 31, 2026 | $257K | 24.90% | 0.68% | 0.30% | 2.36% |
| December 31, 2025 | $250K | 23.68% | 3.18% | 1.65% | 2.62% |
| September 30, 2025 | $250K | 23.30% | 36.84% | -3.35% | 0.96% |
| June 30, 2025 | $254K | 23.76% | 22.18% | -1.02% | 1.98% |
| March 31, 2025 | $257K | 23.71% | — | -2.60% | 2.54% |
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How we score this
Net worth ratio: NCUA well capitalized at 7%, adequately at 6%. Our bands, pass to fail: delinquency 1% to 2%, ROA 0.5% to 0%, loan-to-share 85% to 100%. Not a credit rating. Methodology.
Pilgrim Baptist Credit Union profile
Regulator records: NCUA credit union profile (charter 65231) · FFIEC NIC profile (RSSD 419497)
Frequently asked questions
Is Pilgrim Baptist Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Pilgrim Baptist Credit Union's net worth ratio is 25.77%, above the 7% NCUA threshold for well capitalized.
Is Pilgrim Baptist Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Pilgrim Baptist Credit Union is a federally insured credit union (NCUA charter 65231): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Pilgrim Baptist Credit Union's key safety ratios?
For Q2 2026, Pilgrim Baptist Credit Union reports net worth 25.77%, delinquency not reported, ROA 5.43%, loan-to-share 1.62%.
What happens to my money if Pilgrim Baptist Credit Union fails?
For Q2 2026, Pilgrim Baptist Credit Union held $195K in shares and deposits for 137 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.