Pinnacle Federal Credit Union

Pinnacle Federal Credit Union is headquartered in Edison and is the 19^st largest credit union in the state of New Jersey. It is also the 1,055^th largest credit union in the nation. It was established in 1962 and as of December of 2011, it had grown to 42 employees and 23,602 members. Pinnacle Federal Credit Union's money market rates are 59% higher than the national average, but it has a 2-star health rating.

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Data for Q4 2011

Institution Statistics PINNACLE NCUA # 15095 BankRate Report View Year Chartered 1962 Employees 42 Primary Regulator Assets and Liabilities Assets $151.61 million Loans $123.88 million Deposits $137.75 million Equity Capital $12.13 million Loan Loss Allowance $1.84 million Unbacked Noncurrent Loans $3.00 million Historic Data - December 2010 Assets $160.17 million Equity Capital $11.81 million Loan Loss Allowance $2.92 million Unbacked Noncurrent Loans $1.19 million Profit Margin - Quarterly Net Interest Margin 4.48% Return on Assets 0.23% Return on Equity 2.83% Interest Income $7.01 million Non-Interest Income $2.10 million

Institution Health Overall Score: 2 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 Federal Credit Union had $3 million in non-current loans and owned real-estate with $13.98 million in equity and loan loss allowances on hand to cover it. This gives Pinnacle Federal Credit Union a Texas Ratio of 21.48% 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 Federal Credit Union increased slightly from 8.08% as of December 31, 2010 to 21.48% as of December 31, 2011, resulting in a negative change of 165.86%. This indicates that the balance sheet and financial strength for Pinnacle Federal Credit Union has declined slightly in recent periods. Deposit Growth In the past year, Pinnacle Federal Credit Union has decreased its total deposits by -$8.34 million, resulting in -5.71% 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 Federal Credit Union has shown is poor. 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 Federal Credit Union has $151.61 million in assets with $13.98 million in equity, resulting in a capitalization level of 9.22%, which is average.