# PINNACLE
Atlanta, GA · NCUA charter 67632 · asset band $50-100M · latest filing 2024-06 · stopped filing after 2024-06 (departed; for a credit union that is almost always a merger)
Share link (named URL with a preview card): https://getbookiq.com/cu/pinnacle-67632

Who the members are: state charter, organized 1926. 6,778 members of 40,000 potential (16.9% of the field); checking penetration 48% (share draft accounts per 100 members); loans per 100 members 1666.

**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 | $87.8M |
| Members | 6,778 (-0.9% YoY) |
| Full-time staff | 25 |
| Net worth | $7.7M |
| Net worth ratio | 8.7% (p12 of band) |
| ROA (annualized) | -0.19% (p9 of band) |
| Total delinquency | 0.45% (p42 of band) |
| Net charge-offs (annualized) | 0.28% (p51 of band) |
| Loans / shares | 67% (p51 of band) |
| Cash / assets | 6.5% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.34% (p47 of band) |
| Operating expense / assets | 4.22% (p77 of band) |
| Vehicles % of loans | 47% (p52 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 119% (p82 of band) |
| Vehicle delinquency | 0.46% (p46 of band) |
| Vehicle NCO | 0.58% (p71 of band) |
| Repossessed % of vehicle book | 0.00% (p40 of band) |
| Real estate % of loans | 28% |
| Credit cards % of loans | 0% |
| Unsecured % of loans | 6% |
| Commercial % of net worth | 115% |
| Core shares % of member funds | 67% |
| Certificates % of member funds | 11% |
| Average share balance | $6,724 |
| Participations bought / yr | $6.3M |
| Participations sold / yr | $0 |
| Participations outstanding | – |
| Loans outstanding per 100 members | 1666% |
| Loans granted per 100 members, annualized | 381% |
| Average loan balance | $485 |
| Loans granted, annualized | $12.0M |

## Flags firing in the latest filing

- **thin capital** (`cap_low`)
- **net worth falling** (`cap_falling`)
- **losing money** (`earn_negative`)
- **assets shrinking** (`shrink_assets`)
- **3rd-party paper>100% NW** (`str_thirdparty`)

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 3 | thin capital, delinquency 2x band, charge-offs p90 |  |
| 2016-06 | 1 |  | delinquency 2x band, charge-offs p90 |
| 2016-09 | 3 | delinquency 2x band, charge-offs p90 |  |
| 2016-12 | 2 |  | charge-offs p90 |
| 2017-03 | 2 | members leaving | delinquency 2x band |
| 2017-06 | 2 |  |  |
| 2017-09 | 2 |  |  |
| 2017-12 | 2 |  |  |
| 2018-03 | 2 |  |  |
| 2018-06 | 2 |  |  |
| 2018-09 | 3 | delinquency 2x band |  |
| 2018-12 | 3 |  |  |
| 2019-03 | 4 | delinquency rising |  |
| 2019-06 | 4 |  |  |
| 2019-09 | 1 |  | thin capital, delinquency 2x band, delinquency rising |
| 2019-12 | 1 |  |  |
| 2020-03 | 4 | thin capital, losing money, margin squeeze |  |
| 2020-06 | 4 | net worth falling | margin squeeze |
| 2020-09 | 4 |  |  |
| 2020-12 | 4 |  |  |
| 2021-03 | 3 |  | members leaving |
| 2021-06 | 3 | members leaving | losing money |
| 2021-09 | 2 |  | net worth falling |
| 2021-12 | 2 |  |  |
| 2022-03 | 1 |  | thin capital |
| 2022-06 | 2 | delinquency rising |  |
| 2022-09 | 3 | 3rd-party paper>100% NW |  |
| 2022-12 | 3 | thin capital | members leaving |
| 2023-03 | 6 | net worth falling, losing money, leaning on borrowings |  |
| 2023-06 | 4 | assets shrinking | net worth falling, losing money, leaning on borrowings |
| 2023-09 | 2 |  | delinquency rising, thin capital |
| 2023-12 | 4 | thin capital, delinquency rising |  |
| 2024-03 | 5 | net worth falling, losing money | delinquency rising |
| 2024-06 | 5 |  |  |

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

- 2025-11-18 [Community First Credit Union to acquire Georgia-based First Southern Bank in first bank deal - The Business Journals](https://news.google.com/rss/articles/CBMioAFBVV95cUxQck8yUHR1UHc5V2VPYWtDODZLS2lOeXE0UGpQMEVaZW5MMXd2Sk0tcGdSX1IzUUJPNGVPZkctUnNsQmpoVnNObDFZR3VUV2c0SXNRTTZLY0ZlanlxaXdsN0t4cFVQcjlHRWFSbEp3SVNzQ3dqYXR0RTVrc1lDaFpsVjU3R2RCemRNREZwdTNFOFZVaVFWd1J4bzZYakdpVEIy?oc=5) · The Business Journals
- 2024-08-27 [Peach State and Pinnacle credit unions merge | - Pickens County Courier Newspaper](https://news.google.com/rss/articles/CBMihgFBVV95cUxOaDZvMmRCbEpHTUl2Sm9IamhLa01aVFd5WURkczhJcmN2bjRuWFdYS2xfdGYwaHUzak1jTzUyQVg1R3JKV1dIT1JZSWV0ZHFJYXBBTUcwcDVZdU5PYmt1M3d4NGJ6ZFZtZGhjb0RJcTlUVnNRSVJ0Y2RZclpoU2kzRkZyd3hiUQ?oc=5) · Pickens County Courier Newspaper
- 2026-04-06 [Gene Chandler Obituary (2026) - Atlanta, GA - Herschel Thornton Mortuary - legacy.com](https://news.google.com/rss/articles/CBMiggFBVV95cUxOYjExUGVrTkFXeHdnM2FJcDM0Q2JjSEwtTUlRUGRvZEYwT0Y4ODZWYWhENnlVT2dReDBUS05BM0plQW15LU1WNmk4ODR5V3JCSDhMSEk4MkVjSk9EM3ZxRmZFUzR0R1B4S0VUNDFHakVIOHg3eXdWWURoOWZ5Q0NjcXZB?oc=5) · legacy.com
- 2024-12-18 [Pinnacle Expands in Atlanta with Addition of Five Financial Professionals at Avalon Office - Pinnacle Financial Partners](https://news.google.com/rss/articles/CBMixgFBVV95cUxOVEF2dS0wb1ZYal9qZWQ0U0c1M2pHZHV1S2hNSmZROXR3TEVBajI1S0c1cHA5OU90X1paTzBZQl8xZVlyT3ZOWFk0VXZtaG9ReDlsdF9USnRtT2VWYzhFaXFVcE8zbklFN0dFek94ODR0R3JDSjByOHF4U244SUtNUW1zbXpwQUh3Uy11cU5GdTRlOFdFc3VOcloyVkVrS0xTZVR4RnhIQnlwbXN0MFVFVTMtcFlwcUJtX1B3bG1KYkZSaUJxYmc?oc=5) · Pinnacle Financial Partners
- 2026-01-02 [LANY Bring ‘Soft’ To Life On The “Soft World Tour” Across Global Arenas - That Eric Alper](https://news.google.com/rss/articles/CBMirgFBVV95cUxQSVIwNmktLVNqZ3FNdDRGMmN2NGFxdzBQYkJPaVhHVTdWY1FXbVpubU1vZldTS3RnNTRTRzNjT05aeDZHQTBpTjlCMkpXQ2tVbDd6VHd0WmtLMWtOcDg1MndyRHVOR1daQ1F2ZHh1eC01QThackRMWTBuY3QtMU9SdEg0c29Sa19BUHVkSGloXzF4bnM3ZXdUakVIYnJlZmJRMWpBa2M1QVZNUDBkbEE?oc=5) · That Eric Alper
- 2025-12-18 [A Day to Remember Setlist: Get Ready for the Maximum Fun Tour - Ticketmaster Blog](https://news.google.com/rss/articles/CBMiZ0FVX3lxTE1YSjkzY1g5OEdKSEVSSDNzd3pGdk9uV25lVnRta1dvU3RIODFfdWY2MXpkMmY4THpfMGIzUE50ZWo5Z0taU3JvTmpBM1ZnZHp2ZllKSGVPNlhZd2h3TFdXOFJZY2JmWHM?oc=5) · Ticketmaster Blog
- 2024-06-24 [Google Wallet adds 29 new US banks to its support list - androidpolice.com](https://news.google.com/rss/articles/CBMiigFBVV95cUxNUXFEN3FDNEFLMzZDNnNxazI3c05PWVl3MVpkb3ZQMEZ6SUdMTnZVWkpTcWJ2N0ZYNXk4SlRDaFFQUGVNMXY4TF9kUy1qMjB6bmtteXVKMmNSWWctczNlUDZxUFE1Szd6M1RRd2JWVnpGMUZIa2hvWm9LeUkwUGtkUXdlMkRqdkJSWUE?oc=5) · androidpolice.com
- 2021-11-15 [Pinnacle Opens Full-service Office in Buckhead - Pinnacle Financial Partners](https://news.google.com/rss/articles/CBMiiwFBVV95cUxNU3dXeURjRHFrRWFqazVLeG1peEwyWUlIem1PUFBITmwtOXdrejRGN1hvZjlCMHhKX2NVOTVXRGN3NFVzRkt1Y2FyNndLR05SNDY5OERQeVIzRzJlV2N2NkR2MnNPRnRvZFcyT0RnZEZXUTcxaEF1Z0dmbW9nWm45b1Fsa3pScnZxQURV?oc=5) · Pinnacle Financial Partners

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=67632 (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/48.json (key "67632", 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=67632
- 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