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
- ROA 60/100
- ASSETS 7.9%
- MEM 4.24%
- RANK 0.26%
- PHOTO $32.2M
- BOOK 2,947
- CHARTER #4,073/4,374
- NCUSIF New Castle County Delaware Em
- CAMELS 11242
Call Report peers
PINPOINT in the assets neighbourhood
PINPOINT's $32.2M assets sit next to New Castle County Delaware Em ($32.2M) on the assets neighbourhood; peer NAMES stay, and the masthead VALUES are this credit union's Call Report.
Subscribe to this credit union's financial changes (RSS) — one item per NCUA 5300 call report, no account required.
PINPOINT 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
PINPOINT - Share Insurance Coverage
Read from the 2025Q4 NCUA Call Report for charter #11242: composite supervisory bracket and risk-based capital. Full deposit-insurance coverage details in our disclaimer.
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%).
Peer averages are NCUA 5300 means for the $10M–$50M cohort (1163 CUs), 2025Q4 vintage - registry deltas only, not a join recommendation.
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.
In-state ordinals use the live credit_unions table for PA only - ROW_NUMBER sorts match /rankings healthiest and largest, scoped to the state.
How PINPOINT's 5300 filing moved
PINPOINT: total assets by quarter
4 Call Report filings on this page's own vintage chain
- Assets moved -2.9% from $32.2M (2025Q4) to $31.3M (2026Q1).
- Net-worth ratio shifted +0.29 pp (7.58% → 7.87%).
Trajectory uses quarterly_financials rows already on this page - same NCUA 5300 vintage chain, not a forecast.
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
Each segment is a pillar's weighted contribution to the composite; widths sum to 60.
- 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 |
Health score = weighted composite of the five NCUA ratios above. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: $10M–$50M (1163 CUs).
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
Two NCUA Call Report peer sets for PINPOINT, both outside Pennsylvania so the neighborhoods are not state containment (the Nearby list above stays in-state).
Similar total assets
Nearest other-state credit unions with ≥$10M assets ($32.2M here).
Similar health score
Nearest other-state credit unions by five-factor health composite (60/100 here).
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
- Rates and health both vary by institution, not just by state -- see how Pennsylvania credit unions compare overall before assuming this one is typical. Pennsylvania 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 PINPOINT financially healthy?
Yes/no aside, the number is 60/100 (Good) - PINPOINT's financial health score from the NCUA 5300 Call Report, Q4 2025. On the national health ranking (same basis as /rankings/healthiest), it sits at #4,073 of 4,374; by total assets it ranks #2,795 of 4,374 nationally (same basis as /rankings/largest); and #149 of 275 within Pennsylvania. Above 80 reads excellent, below 50 warrants closer monitoring; a 7.87% net worth ratio and 4.24% delinquency rate are the key drivers.
How does PINPOINT compare to other credit unions?
60/100 is PINPOINT's score on PlainCU's health composite, compared to a peer group average for $10M–$50M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 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 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?
Federal credit unions like PINPOINT 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. PINPOINT's net worth ratio of 7.87% exceeds the 7% threshold NCUA considers "well capitalized."
What rates does PINPOINT offer compared to banks?
Credit unions like PINPOINT 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 PINPOINT 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.