PINNACLE FEDERAL CREDIT UNION is no longer an active credit union according to the NCUA. If available, you can view their website at https://www.pinnaclefcu.com for more information.
Sep, 30, 2025 — PINNACLE FEDERAL CREDIT UNION is a federal credit union headquartered in Edison, NJ with 3 branch locations and about $107.93 million in total assets. Opened 64 years ago in 1962, PINNACLE FEDERAL CREDIT UNION has about 12,676 members and employs 22 full and part-time employees offering various banking and financial related services such as Checking & Savings accounts, ATM/Debit Card Program and more.
| Name: | PINNACLE FEDERAL CREDIT UNION |
|---|---|
| Address: (Main Office) | 135 Raritan Center Pkwy Edison, NJ 08837 |
| Phone: | (732) 225-1505 |
| Fax: | (732) 225-4572 |
| Website: | https://www.pinnaclefcu.com |
| Branches: | 3 branch locations |
| Members: | 12,676 |
| Credit Union Type: | Federal Credit Union |
| Charter Number: | 15095 |
|---|---|
| Membership Type: | Multiple common bond - Primarily finance, insurance, real estate, trade |
| Corporate Credit Union: | No |
| Year Opened: | 1962 |
| Last Audited: | Dec 01, 2021 |
| FHLB Member: | Yes |
| Low Income Designation: | No |
| Assets: | $107,928,206 |
| CEO/Manager: | Stephen Lardiere |
| Chairperson: | Nick Danza |
| ASSETS: | $ Amount |
|---|---|
| Cash & Equivalents | 5,238,256 |
| TOTAL INVESTMENTS | 0 |
| Loans Held for Sale | 0 |
| Real Estate Loans | 31,949,928 |
| Unsecured Loans | 13,335,443 |
| Other Loans | 23,991,442 |
| TOTAL LOANS | 69,276,813 |
| (Allowance for Loan & Lease Losses or Allowance for Credit Losses on Loans & Leases) | -674,037 |
| Land And Building | 0 |
| Other Fixed Assets | 181,351 |
| NCUSIF (National Credit Union Share Insurance Fund) Deposit | 1,014,721 |
| All Other Assets | 0 |
| TOTAL ASSETS | 107,928,206 |
| LIABILITIES & CAPITAL: | |
| Dividends Payable | 0 |
| Notes & Interest Payable | 0 |
| Accounts Payable & Other Liabilities | 516,142 |
| Uninsured Secondary Capital and Subordinated Debt Included in Net Worth | 0 |
| Share Drafts | 29,606,071 |
| Regular shares | 44,513,486 |
| All Other Shares & Deposits | 28,636,971 |
| TOTAL SHARES & DEPOSITS | 102,756,528 |
| TOTAL LIABILITIES | 103,272,670 |
| Regular Reserve | 0 |
| Other Reserves | -3,020,684 |
| Undivided Earnings | 7,676,220 |
| TOTAL EQUITY | 4,655,536 |
| TOTAL LIABILITIES, SHARES, & EQUITY | 107,928,206 |
| INCOME & EXPENSE | |
| Loan Income | 2,342,092 |
| Investment Income | 385,367 |
| Other Income | 738,266 |
| Total Employee Compensation & Benefits | 1,467,774 |
| NCUSIF (National Credit Union Share Insurance Fund) Premiums Expense | 0 |
| Total Other Operating Expenses | 1,988,396 |
| Non-operating Income & (Expense) | 8,284 |
| NCUSIF Stabilization Income | N/A |
| Provision for Loan/Lease Losses or Total Credit Loss Expense | 123,839 |
| Cost of Funds | 70,346 |
| NET INCOME (LOSS) EXCLUDING STABILIZATION EXPENSE & NCUSIF PREMIUM | N/A |
| Net Income (Loss) | -62,538 |
| ↑ Back to Top | |