Federal credit union · MILTON, Pennsylvania · NCUA charter #11242
PINPOINT
Health score 60/100, grade C (Good) - from the NCUA 5300 Call Report, 2025Q4.
- 60
- Health / 100
- $32.2M
- Total assets
- 2,947
- Members
- 7.9%
- Net-worth ratio
PINPOINT scores 60/100 on PlainCU's health composite from NCUA 5300 Call Report data (2025Q4). Assets $32.2M; members 2,947; net-worth ratio 7.87%; health rank #4,073 of 4,374; healthier than 7th of scored peers.
Federal Call Report extract
NCUA 5300 Call Report Masthead
#4,073 of 4,374 health · 2025Q4PINPOINT · health 60/100 · $32.2M · 2025Q4
Call Report peers
PINPOINT in the assets neighbourhood
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PINPOINT vs every NCUA-scored credit union
The busiest band is 85-89 (858 credit unions); PINPOINT 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
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
Where PINPOINT diverges from peer averages
- Strongest edge vs 1163 $10M–$50M peers is Loan-to-Share Ratio: +12.00 pp (71.80% vs 59.80%).
- Widest shortfall vs peers is Net Worth Ratio: -6.99 pp (7.87% vs 14.86%).
Pennsylvania standing for PINPOINT
- Health composite ranks #251 of 275 among scored Pennsylvania credit unions.
- Pennsylvania assets place: #149 of 275.
- Pennsylvania membership ordinal: #139 of 275.
- One place up in Pennsylvania, FRIENDLY (#250) ties at 60/100; one place down, Service Station Dealers (#252) scores 59/100, 1 point lower.
How PINPOINT's 5300 filing moved
PINPOINT: total assets by quarter
2023Q4 to 2026Q1, NCUA 5300
- Assets moved -2.9% from $32.2M (2025Q4) to $31.3M (2026Q1).
- Net-worth ratio shifted +0.29 pp (7.58% → 7.87%).
At 7.87%, this credit union is above the 7.0% NCUA well-capitalized threshold under PCA rules.
How the 60/100 score is built
PINPOINT gives up 40 points in total. Delinquency Rate costs the most, 25 of its 25; Loan-to-Share Ratio scores full marks.
- Net Worth Ratio 24.7 pts
- Delinquency Rate 0.0 pts
- Return on Assets 11.4 pts
- Member Growth 8.5 pts
- Loan-to-Share Ratio 15.4 pts
Financial Health Metrics
| Metric | Value | vs peer |
|---|---|---|
| Net Worth Ratio | 7.87% | -6.99 pp |
| Delinquency Rate | 4.24% | +3.10 pp |
| Return on Assets | 0.26% | -0.44 pp |
| Member Growth | -0.27% | - |
| Loan-to-Share Ratio | 71.80% | +12.00 pp |
Peer averages: $10M–$50M cohort, 1163 credit unions, 2025Q4 filing.
Historical Financials
| Quarter | Assets | Members |
|---|---|---|
| 2026Q1 | $31.3M | - |
| 2025Q4 | $32.2M | 2,947 |
| 2024Q4 | $32.4M | 2,955 |
| 2023Q4 | $32.0M | 3,007 |
Credit Union Details
- Charter Number
- 11242
- Type
- Federal
- Field of Membership
- Community
- Peer Group
- $10M–$50M
- State
- Pennsylvania
- City
- MILTON
- Data Quarter
- 2025Q4
Branch Location
The NCUA branch filing lists a single physical office for PINPOINT.
| Office | City |
|---|---|
| MAIN OFFICE (Main Office) | MILTON, PA |
Source: NCUA Credit Union Branch Information, 2025Q4 filing.
Nearby Credit Unions in Pennsylvania
More federally-insured credit unions based in Pennsylvania, ordered by peer group match and asset size.
Nationwide credit unions with similar profiles
Similar total assets
Using this data
- PINPOINT ranks #4,073 of 4,374 nationally on financial health and #251 of 275 in PA -- the national figure is a benchmark, not a prediction for how any specific account performs. National health rankings
- Steel Strong Community is a nearby credit union with a similar profile -- compare the two side by side before deciding where to bank. Compare with Steel Strong Community
Frequently Asked Questions
Is PINPOINT financially healthy?
On its 2025Q4 NCUA 5300 filing, PINPOINT scores 60/100 (Good), with a 7.87% net worth ratio and 4.24% of loans delinquent. It ranks #4,073 of 4,374 nationally on health and #251 of 275 in Pennsylvania.
How does PINPOINT compare to other credit unions?
PINPOINT scores 60/100, higher than 7% of the 4,374 scored credit unions. Against the 1163 peers in the $10M–$50M cohort, its widest edge is loan-to-share ratio (71.80% vs 59.80%). Its widest shortfall is net worth ratio (7.87% vs 14.86%).
How can I join PINPOINT?
PINPOINT 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 PINPOINT directly for the exact boundaries and application steps.
Is my money safe at PINPOINT?
PINPOINT 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. PINPOINT's net worth ratio of 7.87% 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.