Pinnacle Credit Union

EIN: 580147125

ATLANTA, GA

Total Revenue
$4,151,204
Total Expenses
$4,163,305
Total Assets
$87,063,480
Net Assets
$4,963,255
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Financial Vulnerability Assessment (Tuckman-Chang)

4 risk indicators measuring financial stability and operational resilience

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Financial Trends

Organization Details

Formation Year
1926
Legal Domicile
GA
Phone
4048881648
Tax Period
2023-01-01 to 2023-12-31

Pinnacle Credit Union, founded in 1926, is a community nonprofit that reported $4.2M in total revenue in fiscal year 2023. Revenue fell 29% from the prior year — a significant decline worth monitoring.

Mission

PINNACLE CREDIT UNION IS A COOPERATVE ASSOCIATION ORGANIZED FOR THE PURPOSE OF PROMOTING THRIFT AMONG, AND CREATING A SOURCE OF CREDIT FOR, ITS MEMBERS.

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Trantor Score

Financial Health Score (300–850) · Liquidity · Solvency · Sustainability · Efficiency

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Liquidity (40%) • Solvency (30%) • Sustainability (20%) • Efficiency (10%)

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Financial Overview (2023)

Revenue Breakdown

Contributions & Grants $0
Program Service Revenue $3,907,769
Investment Income $243,435
Other Revenue $0
TOTAL REVENUE $4,151,204

Expense Breakdown

Grants Paid $0
Salaries & Benefits $2,118,943
Fundraising Expenses $0
Program Expenses $0
Other Expenses $2,044,362
TOTAL EXPENSES $4,163,305

Year-over-Year Comparison

2023 2022 Change
Revenue $4,151,204 $5,871,610 -0.3%
Expenses $4,163,305 $4,461,601 -0.1%
Net Income $-12,101 $1,410,009 -1.0%
Key Indicators
✗ Grants to Organizations ✗ Grants to Individuals ✗ Lobbying ✗ Political Activity ✗ Foreign Activities ✗ Donor Advised Fund ✗ Schedule B Required
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Financial Health Indicators

Comprehensive financial analysis: Altman Z-Score, liquidity, solvency, sustainability, efficiency, and growth metrics

Financial Distress Indicator

Liquidity & Cash Position

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Altman Z-Score • Liquidity Ratios • Solvency Analysis • Growth Indicators • Efficiency Metrics

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Governance

Voting Members
6
Independent Members
6
Employees
36
Volunteers
6

Governance Policies

✗ Conflict of Interest Policy
✗ Whistleblower Policy
✗ Document Retention Policy

Special Practices & Reported Activities

✗ Operated a School
✗ Operated a Hospital
✗ Provided First Class Travel
✗ Reported Conflict of Interest
✗ Reported Asset Diversion
✗ Excess Benefit Transaction
✗ Made Political Expenditures
✗ Engaged in Lobbying
✗ Operated Donor Advised Fund
✗ Maintained Art Collections
✗ Filed Form 720

Compensation of Officers, Directors & Key Employees

Total Officers
8
$926,597
Total Directors
6
$6,075
Key Employees
0
$0
Highest Compensated
1
reported
Name Title Hours/Week Role Reportable Comp Other Comp Total
N/A SECRETARY 1.0
Officer Director
$1,200 $0 $1,200
N/A CHAIRMAN 1.0
Officer Director
$1,125 $0 $1,125
N/A VICE CHAIRMAN 1.0
Officer Director
$1,275 $0 $1,275
N/A DIRECTOR 1.0
Director
$0 $0 $0
N/A DIRECTOR 1.0
Director
$1,275 $0 $1,275
N/A DIRECTOR 1.0
Director
$1,200 $0 $1,200
N/A CHIEF OPERATING OFFICER (UNTIL APRIL 2023) 40.0
Officer
$56,070 $14,090 $70,160
N/A CHIEF FINANCE OFFICER 40.0
Officer
$117,347 $41,493 $158,840
N/A Chief Information Officer 40.0
Officer
$138,987 $41,413 $180,400
N/A Chief Loan Officer 40.0
Officer
$157,547 $43,747 $201,294
N/A PRESIDENT/CEO 40.0
Officer
$193,952 $118,351 $312,303
N/A COLLECTION MANAGER 40.0
Highest
$102,130 $0 $102,130
Note: Compensation data is self-reported by the organization on their Form 990. "Reportable Comp" includes salary, bonuses, and other reportable compensation from the organization and related organizations. "Other Comp" includes benefits, deferred compensation, and non-taxable benefits.

Historical Data

Year Revenue Expenses Assets Net Income
2024 No data No data No data No data
2023 $4,151,204 $4,163,305 $87,063,480 $-12,101
2022 $5,871,610 $4,461,601 $92,125,054 $1,410,009
2021 $3,525,516 $3,464,461 $87,619,117 $61,055
2020 $3,448,471 $3,642,841 $81,661,087 $-194,370
2019 $4,081,488 $3,705,095 $72,604,023 $376,393
2018 $3,572,157 $3,440,768 $72,216,019 $131,389
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