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PINPOINT

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PINPOINT Rates & Review September 2026

Q: How many branches does PINPOINT operate?

PINPOINT currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join PINPOINT?

Yes, to access services at PINPOINT, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Is there a first-time homebuyer program?

Currently, PINPOINT does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, PINPOINT provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 23, 2026

PINPOINT rates are not currently in our database, but you can compare rates from other banks and credit unions we track: 12-month share certificate rates are currently at 3.01%, 6-month share certificate rates at 2.85% and 3-month share certificate rates at 2.71%. Savings rates are at 0.89% and money market rates are at 1.22%. Mortgage rates on 30-year fixed loans are around 7.01%. These rates come from our rate database, not PINPOINT, and you can see how they compare in the PINPOINT rate tables below. MonitorBankRates evaluates the financial stability of PINPOINT with a 3.2 Star Rating, an D Overall Health Grade, and a Texas Ratio of 36.90%. Database rates last updated and verified on 09/23/2026.

PINPOINT money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at PINPOINT? Share your experience about PINPOINT by leaving a review below, or read customer reviews before you decide to use PINPOINT.

Overall Health & Safety Grade

Weak Health Score: 63/100

MonitorBankRates Rating

3.2

Good Out of 5.0 Stars

Texas Ratio

36.90%

Fair Higher than avg

Health Trend

Worsening 12 quarters

Full history ›

PINPOINT
MAIN OFFICE

37 FERRY LN
MILTON, PA 17847-2601

https://www.pinpointfcu.org

Current Rate Availability

We're not currently displaying rates for PINPOINT, but our database is updated constantly, so check back soon for the latest offers.

Are you with PINPOINT? We'd love to add your institution's rates. Contact us to get your institution's rates listed on MonitorBankRates.

Financial Health History

PINPOINT’s Texas Ratio rose from 4.50% in Q2 2023 to 36.90% in Q1 2026, so its financial health has weakened over the past 12 quarters. Over the same period its Star Rating moved from 4.7 to 3.2 and its Health Grade from A to D. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
March 31, 2026	$31M	36.90%	3.2	D
December 31, 2025	$32M	35.19%	3.3	D
September 30, 2025	$32M	25.52%	4.1	C+
June 30, 2025	$34M	23.88%	4.3	B-
March 31, 2025	$33M	22.88%	4.3	B-
December 31, 2024	$32M	17.87%	4.2	B-
September 30, 2024	$32M	11.54%	4.4	B+
June 30, 2024	$33M	8.27%	4.1	B
March 31, 2024	$33M	8.14%	4.1	B
December 31, 2023	$32M	1.48%	4.3	A-
September 30, 2023	$31M	2.27%	4.6	A
June 30, 2023	$32M	4.50%	4.7	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for PINPOINT is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather PINPOINT rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with PINPOINT's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name PINPOINT

Website https://www.pinpointfcu.org

Address 37 FERRY LN, MILTON, PA 17847-2601

Phone 570-742-3903

Fax 570-742-0389

President

CEO Brenda Raker

Full-Time Employees 4

Part-Time Employees 3

Branch Locations 1

ATM Locations 1

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

3.2 / 5.0 ★

Overall Health & Safety Grade

D (63/100)

Texas Ratio

36.90%

Return on Assets (ROA)

0.1143%

Return on Equity (ROE)

1.4517%

Non-Performing Loans Ratio (NPL)

4.53%

Total Assets

31,264,179

Total Amount of Shares and Deposits

28,785,394

Total Shares and Deposits < 1 Year

27,474,295

Total Shares and Deposits 1 3 Years

1,308,734

Total Shares and Deposits > 3 Years

2,365

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

2,590,508

Total Uninsured Shares and Deposits > $250K (F+J)

2,590,508

Total Insured Shares and Deposits > $250K (item 17 less item K)

26,194,886

Total Interest Expense (Sum of items 6 8)

79,319

Share Certificates

Number of Accounts for Share Drafts

2,002

Number of Accounts for Regular Shares

2,993

All other shares

877

Non Member Deposits

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

4,308,213

Total Liabilities

28,814,679

Source: NCUA — Last Updated 03/31/2026

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About PINPOINT

How many branches does PINPOINT operate?

PINPOINT currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join PINPOINT?

Yes, to access services at PINPOINT, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, PINPOINT does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, PINPOINT provides members with tools to manage their accounts and build a solid financial history.

Does PINPOINT offer online and mobile banking?

Most modern institutions like PINPOINT provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.pinpointfcu.org.