PINPOINT
Charter #11242 · MILTON, PA · $10M-$50M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 7.87% sits at the 10th percentile of structural peers — worth a closer look.
- Delinquency 60+ days of 4.53% sits at the 97th percentile of structural peers — worth a closer look.
- Net charge-off ratio of 0.45% sits at the 79th percentile of structural peers — worth a closer look.
- On Total assets, the asset-size band puts this credit union at the 64th percentile but its structural peers at the 33rd — a 31-point gap showing why the peer definition matters.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | PINPOINT | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $31.26M | 64th pct | 33th pct |
| Members | 2,951 | 74th pct | 62th pct |
| Net worth ratio | 7.87% | 4th pct | 10th pct |
| Return on average assets | 0.45% | 39th pct | 43th pct |
| Net interest margin | 3.61% | 39th pct | 38th pct |
| Cost of funds | 1.10% | 62th pct | 51th pct |
| Loan-to-share | 74.25% | 76th pct | 59th pct |
| Delinquency 60+ days | 4.53% | 97th pct | 97th pct |
| Net charge-off ratio | 0.45% | 69th pct | 79th pct |
| Loan growth YoY | -1.71% | 55th pct | 36th pct |
| Share growth YoY | -2.06% | 12th pct | 13th pct |
| Efficiency ratio | 82.03% | 54th pct | 39th pct |
structural peer set hash: 410f2ebdf9a6ffda37b0e140b5dbd56c… (reproducible)
Closest structural peers
This is the free public view
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.