Pinnacle CU (GA)

Pinnacle CU (GA) is headquartered in ATLANTA and is the 26^th largest credit union in the state of Georgia. It is also the 1,553^rd largest credit union in the nation. It was established in 1926 and as of December of 2011, it had grown to 29 employees and 12,605 members. Pinnacle CU (GA) has a 4-star health rating.

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Data for Q4 2011

Institution Statistics PINNACLE NCUA # 67632 BankRate Report View Year Chartered 1926 Employees 29 Primary Regulator Assets and Liabilities Assets $86.14 million Loans $38.19 million Deposits $79.64 million Equity Capital $6.14 million Loan Loss Allowance $2.19 million Unbacked Noncurrent Loans $1.37 million Real Estate Owned $126,000 Historic Data - December 2010 Assets $86.51 million Equity Capital $9.61 million Loan Loss Allowance $708,000 Unbacked Noncurrent Loans $2.51 million Real Estate Owned $105,000 Profit Margin - Quarterly Net Interest Margin 7.94% Return on Assets 0.34% Return on Equity 4.74% Interest Income $3.57 million Non-Interest Income $1.05 million

Institution Health Overall Score: 4 out of 5 Texas Ratio The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2011 Pinnacle CU (GA) had $1.49 million in non-current loans and owned real-estate with $8.32 million in equity and loan loss allowances on hand to cover it. This gives Pinnacle CU (GA) a Texas Ratio of 17.94% which is average. Any bank with a Texas Ratio near or greater than 100% is considered at risk. Texas Ratio Trend The Texas Ratio for Pinnacle CU (GA) decreased slightly from 25.29% as of December 31, 2010 to 17.94% as of December 31, 2011, resulting in a positive change of 29.07%.This indicates that the balance sheet and financial strength for Pinnacle CU (GA) has improved slightly in recent periods. Deposit Growth In the past year, Pinnacle CU (GA) has increased its total deposits by $3.09 million, resulting in 4.03% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Pinnacle CU (GA) has shown is above average. Capitalization Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Pinnacle CU (GA) has $86.14 million in assets with $8.32 million in equity, resulting in a capitalization level of 9.66%, which is average.

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