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Pinpoint Credit Union

Overview
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Pinpoint Credit Union is a federal credit union based in Milton, Pennsylvania. It has been opened since 1956, for 64 years.

With around $20,540,000 in assets, Pinpoint Credit Union is considered to be a medium size credit union.

About
Address 603 Center St, Po Box 455
Milton, Pennsylvania 17847
Website https://www.pinpointfcu.org
Phone (570) 742-3903
Fax (570) 742-0389
CEO Brenda L. Raker
President of the Board Jason Budman
Services Offered
Map
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Score Card
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64 years
Years in business
Opened in 1956
Well Capitalized
Net worth classification
Source: NCUA
2,665 members
Membership type: Multiple common bond – primary educational
Average number of members
333:1
Credit union member to staff ratio
333 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
$20,540,092
Total assets
Below average
2 branches
Compared with an average of 4 nationally and 3 in Pennsylvania
Above average number of branches
0.20%
Savings interest rate
Compared to 0.3% nationally
9.20%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
Branches
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2 branches
Compared with an average of 4 nationally and 3 in Pennsylvania
Above average number of branches
Pinpoint Credit Union Branch Locations

Pinpoint Credit Union: Mccann Office
7495 Westbranch Highway
Lewisburg, Pennsylvania 17837
No ATM
Pinpoint Credit Union: Main Office
603 Center Street
Milton, Pennsylvania 17847
No ATM
Members
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2,665 members
Membership type: Multiple common bond – primary educational
Average number of members

With 2,665 members, the Pinpoint Credit Union is considered to be a medium size credit union. It is larger than 42% of credit unions.

Fees
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$60
Average fee per member
The average fee per member at the Pinpoint Credit Union is $60, which is comparable to most credit unions. This rate is lower than 41% of all credit unions.
Fees are average

Credit unions, like banks, charge members various fees, such as overdraft fees, ATM fees, credit card fees, inactivity or dormat account fees, and more.

The average fee per member gives you a general sense of how much you might pay in fees as a member of the Pinpoint Credit Union. Some credit unions tend to charge more fees, while others charge less.

Staff
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333:1
Credit union member to staff ratio
333 per each FTE employee
Compared to 411:1 nationally
Lots of staff!
8 staff members
FTE (full-time equivalent)
22% of employees are part-time
7 full-time, 2 part-time

Pinpoint Credit Union has 7 full-time staff members and 2 part-time staff members. The staff is predominantly comprised of full-time staff, at approximately 78% of the workforce.

The number of members relative to staff members is an indication of how well staffed the credit union is. Pinpoint Credit Union has around 333 members per staff, a low ratio compared to other credit unions. This is a well staffed credit union.

Assets
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$20,540,092
Total assets
Below average
Net worth
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Well Capitalized
Net worth classification
Source: NCUA
A well capitalized credit union has a net worth ratio of 7% or greater and also meets applicable risk-based net worth requirements, according to the National Credit Union Administration.
10.3%
Net worth ratio
A higher net worth ratio is better.
Compared to an average of 13.6% nationally

A credit union's net worth ratio is one of the most important metrics you should consider when deciding whether to join a credit union. Why? It's a measure of financial strength

The net worth ratio is equal to a credit union's net worth divided by its assets. According to the National Credit Union Administration, a minimum net worth ratio of 7% is required to be considered to be a well capitalized credit union.

Loans & leases
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$12,863
Average loan and lease size
Loan & lease sizes are bigger than average. They are bigger than at 70% of credit unions.

Pinpoint Credit Union holds a total of $16,040,000 in loans and leases, which is about $12,863 per member on average.

Savings interest rate
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0.20%
Savings interest rate
Compared to 0.3% nationally

A credit union share account is an account at a credit union. It's called a share account because the credit union is member owned and as a result, members own shares in the credit union.

A share savings account pays you interest on your savings, similar to a savings account at a bank. The interest you receive can vary. Pinpoint Credit Union pays 0.20%.

Loan rates
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9.20%
Unsecured credit card loan interest rate
Compared to 10.8% nationally
11.94%
Unsecured non-credit card loan interest rate
Compared to 11.2% nationally
2.16%
Other secured non-real estate loans and lines of credit interest rate
Compared to 5.3% nationally
Car loan rates
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3.78%
New car loan rate
Compared to 4.0% nationally
5.86%
Used car loan rate
Compared to 5.2% nationally
Mortgage rates
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4.91%
Mortgage rate (secured by junior lien)
Compared to 3.4% nationally
3.58%
Mortgage rate (secured by 1st lien)
Compared to 3.3% nationally
Net Credit Union
Location
Scranton, Pennsylvania
Members
16,234
Assets
Net Worth Classification
Well Capitalized
Average Fee
Credit Card Loan Interest Rate
8.99%
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