BlastPoint's Credit Union Scorecard
PINNACLE
Charter #67632 · GA
PINNACLE has 4 strengths but faces 6 concerns
Key Strengths
Areas where this CU excels compared to peers
- + Total Deposits: Top 2.1% in tier
- + Total Loans: Top 3.8% in tier
- + Total Assets: Top 4.3% in tier
- + Total Members: Top 7.4% in tier
Key Concerns
Areas that may need attention
- - AMR Growth Rate: Bottom 0.1% in tier
- - Net Charge-Off Rate: Bottom 0.1% in tier
- - Member Growth Rate: Bottom 0.1% in tier
- - Asset Growth Rate: Bottom 0.1% in tier
- - Loan Growth Rate: Bottom 0.1% in tier
- - Efficiency Ratio: Bottom 9.3% in tier
Core Metrics
As of 2024-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Members |
6,778
-0.9% YoY-0.2% QoQ
|
+4.1K |
2,682
-0.4% YoY
|
28,723
+7.2% YoY
|
30,744
+5.8% YoY
|
Top 7.4% in tier |
| Assets |
$87.8M
-3.8% YoY+0.5% QoQ
|
+$58.3M |
$29.5M
-0.3% YoY
|
$450.6M
+7.8% YoY
|
$501.0M
+7.0% YoY
|
Top 4.3% in tier |
| Loans |
$54.7M
-10.0% YoY-2.6% QoQ
|
+$38.6M |
$16.1M
+1.5% YoY
|
$296.0M
+6.8% YoY
|
$352.6M
+7.1% YoY
|
Top 3.8% in tier |
| Deposits |
$82.3M
-1.3% YoY+0.4% QoQ
|
+$56.9M |
$25.4M
-1.4% YoY
|
$390.3M
+8.2% YoY
|
$420.3M
+6.1% YoY
|
Top 2.1% in tier |
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| ROA |
-0.2%
-144.7% YoY+29.8% QoQ
|
+0.0% |
-0.2%
-142.4% YoY
|
0.6%
-23.7% YoY
|
0.1%
-82.7% YoY
|
16% |
| NIM |
3.3%
+9.1% YoY+0.4% QoQ
|
-0.4% |
3.7%
+12.1% YoY
|
3.9%
+9.6% YoY
|
3.5%
+9.9% YoY
|
38% |
| Efficiency Ratio |
102.8%
+13.7% YoY+0.3% QoQ
|
-67.0% |
169.8%
+98.1% YoY
|
77.2%
-3.4% YoY
|
134.4%
+62.7% YoY
|
Bottom 12.3% in tier |
| Delinquency Rate |
0.5%
+4.9% YoY+18.5% QoQ
|
-1.0 |
1.4%
+11.0% YoY
|
1.3%
+33.1% YoY
|
1.2%
+14.3% YoY
|
42% |
| Loan To Share |
66.5%
-8.7% YoY-2.9% QoQ
|
+3.6% |
62.9%
+4.5% YoY
|
71.2%
+3.5% YoY
|
68.9%
+3.4% YoY
|
55% |
| AMR |
$20,214
-4.1% YoY-0.6% QoQ
|
+$5K |
$15,558
+8.0% YoY
|
$16,440
+3.8% YoY
|
$19,473
+5.2% YoY
|
82% |
| CD Concentration |
11.1%
-4.8% YoY-5.7% QoQ
|
- | - | - | - | 50% |
| Indirect Auto % | 0.0% | - | - | - | - | 50% |
Signature Analysis
Strengths (0)
Concerns (0)
Metric Rankings
See how this credit union ranks across all tracked metrics compared to peers.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25% (25th percentile or lower)