Credit Union Safety Analysis
Is Pinpoint Federal Credit Union Safe? Milton, Pennsylvania
Based on its Q2 2026 NCUA 5300 call report, Pinpoint Federal Credit Union has a net worth ratio of 8.43%, at the NCUA level for well capitalized, its 60-day delinquency ratio is 3.51%, and its shares are NCUA insured up to $250,000 per member.
BankRegReports is independent of Pinpoint Federal Credit Union and never asks for online banking logins or passwords.
Short answer
On its Q2 2026 NCUA 5300 call report, Pinpoint Federal Credit Union's net worth ratio is 8.43%, above the 7% NCUA threshold for well capitalized.
- Net worth ratio (Q2 2026): 8.43%
- Delinquency ratio (60+ days) (Q2 2026): 3.51%
- Return on assets (Q2 2026): 1.12%
- Loan-to-share ratio (Q2 2026): 75.85%
Pinpoint Federal Credit Union (NCUA charter 11242, established 1956) reported $30.2M in assets and 3,556 members for Q2 2026 from Milton, Pennsylvania. It ranks 151 of 269 credit unions in Pennsylvania by total assets. Total assets fell 10.4% from $33.7M on June 30, 2025. It has 616 more members than on June 30, 2025 (+21.0%). Its net worth ratio was up 1.17 percentage points from 7.26% on June 30, 2025. 1- to 4-family residential and other consumer real estate loans are its largest loan category, $11.1M of $21.5M in total loans on its June 30, 2026 filing. Its 60-day delinquency ratio of 3.51% is above the 0.86% median of the 2,162 credit unions with under $100M in assets for Q2 2026.
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: 7.87% for Q1 2026; 7.26% 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: 4.53% for Q1 2026; 2.71% 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: 0.46% for Q1 2026; -0.14% 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: 74.25% for Q1 2026; 69.99% for Q2 2025.
Loans by type, Q2 2026
- 1- to 4-family residential and other consumer real estate loans: $11.1M
- Used vehicle loans: $4.9M
- New vehicle loans: $1.8M
- Other secured non-real estate loans and lines of credit: $1.8M
- Other unsecured loans and lines of credit: $1.4M
- Unsecured credit card loans: $496K
Scored ratios by quarter
| Quarter | Total assets | Net worth ratio | Delinquency | ROA | Loan-to-share |
|---|---|---|---|---|---|
| June 30, 2026 | $30.2M | 8.43% | 3.51% | 1.12% | 75.85% |
| March 31, 2026 | $31.3M | 7.87% | 4.53% | 0.46% | 74.25% |
| December 31, 2025 | $32.2M | 7.58% | 4.24% | 1.42% | 71.80% |
| September 30, 2025 | $31.8M | 7.56% | 2.96% | -0.89% | 73.99% |
| June 30, 2025 | $33.7M | 7.26% | 2.71% | -0.14% | 69.99% |
| March 31, 2025 | $33.2M | 7.34% | 2.58% | 3.75% | 70.98% |
Add this badge to your website
Free to use. It shows Pinpoint Federal Credit Union’s latest filed figures and updates each quarter.
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.
Pinpoint Federal Credit Union profile
Regulator records: NCUA credit union profile (charter 11242) · FFIEC NIC profile (RSSD 615785)
Frequently asked questions
Is Pinpoint Federal Credit Union well capitalized?
On its Q2 2026 NCUA 5300 call report, Pinpoint Federal Credit Union's net worth ratio is 8.43%, above the 7% NCUA threshold for well capitalized.
Is Pinpoint Federal Credit Union FDIC insured?
No. The FDIC insures banks, not credit unions. Pinpoint Federal Credit Union is a federally insured credit union (NCUA charter 11242): its share insurance fund, run by the NCUA, covers $250,000 per member per ownership category.
What are Pinpoint Federal Credit Union's key safety ratios?
For Q2 2026, Pinpoint Federal Credit Union reports net worth 8.43%, delinquency 3.51%, ROA 1.12%, loan-to-share 75.85%.
What happens to my money if Pinpoint Federal Credit Union fails?
For Q2 2026, Pinpoint Federal Credit Union held $28.3M in shares and deposits for 3,556 members. If it failed, the NCUA would pay its insured shares up to $250,000 per member.