# PINPOINT
MILTON, PA · NCUA charter 11242 · asset band <$50M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/pinpoint-11242

Who the members are: federal charter, multiple common bond, organized 1956, low-income designated. 2,951 members of 15,705 potential (18.8% of the field); checking penetration 68% (share draft accounts per 100 members); loans per 100 members 77.

**Verdict on the desk:** this could be *stressed*. Composite score 5 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $31.3M |
| Members | 2,951 (0.6% YoY) |
| Full-time staff | 4 |
| Net worth | $2.5M |
| Net worth ratio | 7.9% (p5 of band) |
| ROA (annualized) | 0.46% (p44 of band) |
| Total delinquency | 4.53% (p92 of band) |
| Net charge-offs (annualized) | 0.45% (p74 of band) |
| Loans / shares | 74% (p73 of band) |
| Cash / assets | 14.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.67% (p41 of band) |
| Operating expense / assets | 4.31% (p66 of band) |
| Vehicles % of loans | 30% (p18 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 15% |
| Third-party paper % of net worth | 40% (p94 of band) |
| Vehicle delinquency | 5.28% (p94 of band) |
| Vehicle NCO | 0.36% (p78 of band) |
| Repossessed % of vehicle book | 0.81% (p99 of band) |
| Real estate % of loans | 53% |
| Credit cards % of loans | 2% |
| Unsecured % of loans | 9% |
| Commercial % of net worth | 0% |
| Core shares % of member funds | 44% |
| Certificates % of member funds | 11% |
| Average share balance | $4,822 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $608,952 |
| Loans outstanding per 100 members | 77% |
| Loans granted per 100 members, annualized | 11% |
| Average loan balance | $9,453 |
| Loans granted, annualized | $6.4M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $608,952 outstanding purchased (24.7% of net worth), $0 sold and retained. Sold in 0 and bought in 2 of the last 8 quarters. Shares -6.8% year over year.

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **delinquency 2x band** (`aq_dq_high`)
- **delinquency rising** (`aq_dq_rising`)
- **repo signal** (`aq_repo`)
- **assets shrinking** (`shrink_assets`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 2 | delinquency 2x band, repo signal |  |
| 2016-06 | 2 |  |  |
| 2016-09 | 0 |  | delinquency 2x band, repo signal |
| 2016-12 | 1 | losing money |  |
| 2017-03 | 0 |  | losing money |
| 2017-06 | 1 | net worth falling |  |
| 2017-09 | 2 | delinquency 2x band |  |
| 2017-12 | 3 | delinquency rising |  |
| 2018-03 | 4 | losing money |  |
| 2018-06 | 2 |  | net worth falling, losing money |
| 2018-09 | 2 |  |  |
| 2018-12 | 3 | net worth falling, losing money | delinquency rising |
| 2019-03 | 2 |  | losing money |
| 2019-06 | 1 |  | net worth falling |
| 2019-09 | 1 |  |  |
| 2019-12 | 1 |  |  |
| 2020-03 | 2 | net worth falling |  |
| 2020-06 | 3 | thin capital, losing money | delinquency 2x band |
| 2020-09 | 1 |  | net worth falling, losing money |
| 2020-12 | 2 | margin squeeze |  |
| 2021-03 | 5 | net worth falling, losing money, delinquency 2x band |  |
| 2021-06 | 2 |  | margin squeeze, net worth falling, losing money |
| 2021-09 | 3 | delinquency rising |  |
| 2021-12 | 4 | net worth falling, losing money | delinquency rising |
| 2022-03 | 3 |  | delinquency 2x band |
| 2022-06 | 2 |  | net worth falling |
| 2022-09 | 2 |  |  |
| 2022-12 | 5 | capital below 7%, net worth falling |  |
| 2023-03 | 6 | delinquency rising |  |
| 2023-06 | 6 | repo signal | net worth falling |
| 2023-09 | 5 |  | delinquency rising |
| 2023-12 | 6 | net worth falling |  |
| 2024-03 | 4 |  | losing money, repo signal |
| 2024-06 | 4 | delinquency rising | net worth falling |
| 2024-09 | 4 |  |  |
| 2024-12 | 5 | delinquency 2x band |  |
| 2025-03 | 3 |  | capital below 7% |
| 2025-06 | 3 |  |  |
| 2025-09 | 3 |  |  |
| 2025-12 | 3 |  |  |
| 2026-03 | 5 | repo signal, assets shrinking |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-07-21 [Local CEO on mission to stop veteran suicides with community connection, financial stability - NorthcentralPA.com](https://news.google.com/rss/articles/CBMiiAJBVV95cUxQcmM2MjJmRHVXQ3hpNjJuYVJqTk5aeHo3RXJJNjNvWmY1MGp4R3FYMVdncHYxNGdQenh3S1pzUjNsaWRha3NPeDZqaVBndnVyaGF3T1VBcDlkODJrMHVxSVNFRFNTdU5TclpocUpNaG9SeW84M1hOejdjNVRCTkQwMnFjT1RDMnNIR3JVa2FwQ3JIbnRIZnBNY09TN0Itd0ZLa3ZmWHY3RjBoU3o1bzNSUUI3TU12dlAtUXNyOS14NGVBMmpaR3k0TW5nSy1XWHdpb2pzQ0R4WUc1WWh1U2l6ODRnTEhLelh2bTJidl9DeDVwcXNmVU84M3hRV2hmZXF2dTZJdUlTOUI?oc=5) · NorthcentralPA.com
- 2026-09-01 [Funding projects to impact students - standard-journal.com](https://news.google.com/rss/articles/CBMiyAFBVV95cUxPM2RfZjY0OW5XSFJXTXdoNl9jM0Y5VzVzREY3Q1JUM2RlWDdFdjkzcEZtQm9TWmV0MmFpUlZQTVM3N1NkcEtEOVh2Wm5lV25ucVFFc2JmQUIzYjJfUkQ0TXE4QldwLURoUmw1MmdNLXliRjU0eXRPeTVBb2RFSk1PTUVsSFl6STJlcDA4VWItZmtxcElCUVptdjlHWkNZNlNvWWV2X0hIMVpwbFFqcXhjdzh4ejUxYTNuN0RySk1obTFyLUpERXNpRA?oc=5) · standard-journal.com
- 2026-03-12 [Kathleen M Brautigam Obituary (2026) - Milton, PA - Shaw Funeral Home, Inc. - Milton - legacy.com](https://news.google.com/rss/articles/CBMiiAFBVV95cUxOdGV1RzRKN2VlUVNrYlk4Z1ZiZnRrWXZJRFhPX2h1SXlVNm1ZRUd5c3p0X3ByVUU3TXQtQmhqZEdJMmFjUDBkNE9aVTdPamRpMDk1Q1ZJTm81WVVQTnhkeDlUZ2UyWGpkSUJpN2sycExWYTAwZGlhYXRVQWY1VXFsQThDX3RjRDNa?oc=5) · legacy.com
- 2018-10-17 [Accused Robbers Admit to Second Credit Union Heist - WNEP](https://news.google.com/rss/articles/CBMi6AFBVV95cUxPUDJWSmhHZFhKeDhIYzJGZm5QYmtROGdvMjMydXVlYXdqUV9senJ0ekhBb3RLTFY5RW1LMWIwV3JMc0NmRHhFZV8zcGE0cU9yZzk1TzJjQWtrVlIzeTZsaXlBQ19XZV9PZVFGSHdCaDVESVBVQkhDcFRuUjhQanJDNnBpZG5KU0hnRFNuWHdRWTNhb1RqS0M0WXZ4TGhIeEVvLUwxOHpNX0FlejkyZmlJdTFqX0t6aDk4ZEJETHowTEptbXgxV3gxLU5jd3VSWndGUTFwVE5VT1BXVU9LQmxKOXZzM0JJTnhC?oc=5) · WNEP
- 2018-09-25 [Two charged for Milton bank robbery - fox56.com](https://news.google.com/rss/articles/CBMickFVX3lxTFAzSjdWSXJEcTFyM1ViUUZYTlRtTDhRZVJOWVVyMDFhYmpkOEZzaDNTNjdmTTdZdFdlTTF1WHk5ck50N2NVaTFRQzlzcm9lQ2s2T2ZFbE9DazRzVVFDZngxb0NUUDFGZGN2M2ZxSUpHQVptdw?oc=5) · fox56.com
- 2018-09-25 [2 suspects arrested in armed robbery - standard-journal.com](https://news.google.com/rss/articles/CBMiygFBVV95cUxQYzRfcVJMbUp0cG5WaFdPdHdrbi10Tl9VSUFsWHVLUy1JYkQwNm9KSnptY3ZMQXVoYThCV2REdXlLOFZXVExpVXc0MTk5eGxmRHMyOExaQ043ZTF4WWVkTFlOVUZXY0d4SmZ0M2IxYWkzVUhYM09FUm1Ld3pRUTBmc19hUzgtU1lIazlGSFpmdjBtMWlIOHA3UUdDZmk4TDlTSW84bDB5a3lRbmpudWNOZnpTMXQwNHM1M0tCc3lkWU42SjNBWmVrS0F3?oc=5) · standard-journal.com

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=11242 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/42.json (key "11242", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=11242
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide