Side-by-side · Q2 2026 data
Pilgrim Bank vs Windthorst Federal Credit Union
Metric by metric
| Measure | Pilgrim Bank | Windthorst Federal Credit Union |
|---|---|---|
| TellerScore | 68 | 73 (stronger) |
| Capital cushion | 52 | 72 (stronger) |
| Loan quality | 95 (stronger) | 65 |
| Earnings | 43 | 64 (stronger) |
| Funding & liquidity | 68 | 87 (stronger) |
| Problem-loan coverage | 98 (stronger) | 90 |
| Peer percentile | 37th | 60th |
| Total assets | $714.6M | $103.6M |
| Deposits / shares | $578.4M | $90.8M |
| Capital ratio | 10.21% | 12.19% (stronger) |
| Problem loans | 0.15% (stronger) | 1.04% |
| Net charge-offs | 0.00% | 0.00% (stronger) |
| Return on assets | 0.58% | 1.10% (stronger) |
| Loans ÷ deposits | 79.7% | 68.2% (stronger) |
| Uninsured deposits | 26.2% | 19.5% (stronger) |
| Offices | 13 | 1 |
| CFPB complaints (3 yrs) | — | — |
| Complaints per $1B deposits | — | — |
| Mortgage denial rate (HMDA) | 11.2% | 2.6% |
Windthorst Federal Credit Union has the higher TellerScore (73 vs 68). On the 7 directional measures above (where higher or lower is clearly better), Pilgrim Bank leads on 1 and Windthorst Federal Credit Union on 6. They differ a lot in size, so ratios such as capital and liquidity are naturally different — the peer percentile shows how each compares with institutions its own size. Deposits are insured up to $250,000 per depositor, per ownership category, at both.
Where both have branches
- Windthorst, TX