TellerScore

Pinpoint Federal Credit Union is a federal credit union headquartered in Milton, Pennsylvania, in business for about 70 years. At the end of Q2 2026 it reported $30.2M in total assets and $28.3M in member shares and deposits, with 1 office.

Based on its Q2 2026 filing, Pinpoint Federal Credit Union scores 36/100, which we describe as low. That is higher than only 2% of 2,479 credit unions with under $100 million in assets. Among 269 credit unions headquartered in Pennsylvania, it ranks 269th. Its strongest component is funding & liquidity (84/100; 76% loans-to-deposits, 8% uninsured), and its lowest is loan quality (0/100; 3.51%).

TellerScore · Q2 2026

Scorecard

Capital cushion34/100
Net worth ratio: 8.43%
Loan quality0/100
Loans 60+ days delinquent ÷ total loans: 3.51%
Earnings52/100
Return on assets (annualized): 0.80%
Funding & liquidity84/100
Loans ÷ shares: 75.8% · 8.5% uninsured
Problem-loan coverage31/100
Delinquent loans + foreclosed assets ÷ (net worth + loan-loss reserves): 34.50%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 10 points (46 → 36), mostly because the earnings component weakened by 39 points.

TellerScore
314049Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202449
Q3 202446
Q4 202439
Q1 202548
Q2 202546
Q3 202537
Q4 202536
Q1 202631
Q2 202636
Net worth ratio
6.30%7.37%8.43%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNet worth ratio
Q2 20246.30%
Q3 20246.41%
Q4 20246.43%
Q1 20257.34%
Q2 20257.26%
Q3 20257.56%
Q4 20257.58%
Q1 20267.87%
Q2 20268.43%
Delinquent loans (60+ days)
0.75%2.64%4.53%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterDelinquent loans (60+ days)
Q2 20240.75%
Q3 20241.07%
Q4 20241.72%
Q1 20252.58%
Q2 20252.71%
Q3 20252.96%
Q4 20254.24%
Q1 20264.53%
Q2 20263.51%
Return on assets
0.22%1.98%3.75%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20240.24%
Q3 20240.22%
Q4 20240.26%
Q1 20253.75%
Q2 20251.78%
Q3 20250.96%
Q4 20251.07%
Q1 20260.46%
Q2 20260.80%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202636$30.2M8.43%3.51%0.80%75.8%
Q1 202631$31.3M7.87%4.53%0.46%74.3%
Q4 202536$32.2M7.58%4.24%1.07%71.8%
Q3 202537$31.8M7.56%2.96%0.96%74.0%
Q2 202546$33.7M7.26%2.71%1.78%70.0%
Q1 202548$33.2M7.34%2.58%3.75%71.0%
Q4 202439$32.4M6.43%1.72%0.26%74.1%
Q3 202446$32.0M6.41%1.07%0.22%76.2%
Q2 202449$33.4M6.30%0.75%0.24%74.2%

2,479 peers · Under $100 million in assets

How it compares with peers

Percentile against credit unions of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio8.43%
6th
Problem loans3.51%
10th
Net charge-offs0.69%
21st
Return on assets0.80%
57th
Loans to deposits75.8%
25th
Uninsured deposits8.5%
10th
Loan-loss reserves0.00%
37th
Texas ratio34.5%
1st

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Deposit insurance

Is my money safe at Pinpoint Federal Credit Union?

Yes. Pinpoint Federal Credit Union is a federally insured credit union (NCUA charter #11242). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

An estimated 8.5% of shares and deposits ($2.4M) are above the $250,000 NCUA insurance limit, above the peer median of 1%. Insured balances are protected regardless of the score.

The net worth ratio is 8.43%, slightly above the 7% level regulators use as the "well capitalized" benchmark for this measure.

Check how much of your own balance is covered

1 location

Branches

Pinpoint Federal Credit Union lists 1 office in 1 city. Most locations:

  • Milton, PA (1)

All branch addresses and map

Identity & history

Profile

Legal name
Pinpoint Federal Credit Union
Type
Federal credit union
NCUA charter #
11242
RSSD ID
615785
Primary regulator
NCUA
Established
1956
Headquarters
37 Ferry Ln, Milton, PA 17847
Employees
10

Quick answers

Pinpoint Federal Credit Union: common questions

Is Pinpoint Federal Credit Union NCUA insured?

Yes. Pinpoint Federal Credit Union is a federally insured credit union (NCUA charter #11242). Deposits are insured by the National Credit Union Share Insurance Fund up to $250,000 per member, per insured credit union, for each account ownership category.

What is Pinpoint Federal Credit Union's TellerScore?

36 out of 100 (Low), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

How many branches does Pinpoint Federal Credit Union have?

1 office as of the latest NCUA data.

Nearby

Highest-scoring banks and credit unions with branches near Milton

InstitutionScoreAssetsCapitalProblem loansCompare
Central Keystone Federal Credit UnionCredit union Sunbury, PA87 out of 100, Very strong$63.8M18.8%0.72%vs
Palco Federal Credit UnionCredit union Muncy, PA87 out of 100, Very strong$109.3M13.1%0.20%vs
The Turbotville National BankBank Turbotville, PA85 out of 100, Very strong$243.5M16.5%1.10%vs
Williamsport Teachers Credit UnionCredit union South Williamsp, PA85 out of 100, Very strong$15.6M19.5%0.56%vs
Central Susquehanna Community Federal Credit UnionCredit union Danville, PA82 out of 100, Strong$37.4M12.1%0.00%vs
Milton Savings BankBank Milton, PA81 out of 100, Strong$90.6M16.9%0.06%vs