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Penn State

Bellefonte, PA · Charter 12729

NCUA · 2 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in PA3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets in PA (n=72). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

57

Q2 2024Q2 2026peer median (50)

Asset Quality

69

Q2 2024Q2 2026peer median (50)

Profitability

84

Q2 2024Q2 2026peer median (50)

Liquidity

84

Q2 2024Q2 2026peer median

Efficiency

89

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Penn State

Bellefonte, PA · Charter 12729

NCUA · 2 branches

Q2 2026

$274.4MAssets
$134.3MLoans
$238.4MShares
$37.5MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.86%, up 114 bps year over year; NIM at 3.78%.
  • Asset quality: problem loans at 0.33% of loans (+8 bps YoY).
  • Capital: net worth / assets of 13.65%, up 69 bps from a year ago.
  • Funding: loans stand at 56.36% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.86%+114 bps YoY

Net Interest Margin (YTD, annualized)

3.78%+98 bps YoY

Efficiency Ratio (YTD, annualized)

55.05%-1,924 bps YoY

Net Worth / Assets

13.65%+69 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.72%1.05%1.23%1.83%1.86%+114 bps
Return on Equity5.52%7.91%9.12%13.66%13.60%+808 bps
Net Interest Margin2.80%3.13%3.27%3.77%3.78%+98 bps
Efficiency Ratio74.29%67.12%63.52%55.70%55.05%-1,924 bps
Growth
Asset Growth (YoY)-4.09%1.98%3.33%6.82%8.52%+1,260 bps
Loan Growth (YoY)5.79%9.00%12.54%9.85%5.88%+9 bps
Share Growth (YoY)3.05%1.56%1.34%4.79%6.12%+306 bps
Asset Quality
Delinquent Loans / Loans0.25%0.28%0.25%0.22%0.33%+8 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital12.96%13.31%13.47%13.38%13.65%+69 bps
Net Worth / Assets12.96%13.31%13.47%13.38%13.65%+69 bps
Liquidity & Funding
Loans / Shares56.48%58.27%58.86%58.12%56.36%-13 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Penn State

Bellefonte, PA · Charter 12729 · Peer group: credit unions under $1B in assets in PA (n=72)

NCUA · 2 branches

Q2 2026

$274.4MAssets
$134.3MLoans
$238.4MShares
$37.5MNet Worth

Executive Summary

  • Strongest standing: return on assets outperforms 94% of credit unions under $1B in assets in PA (rank 4 of 72).
  • Widest gap: equity / assets trails 43% of credit unions under $1B in assets in PA (rank 31 of 72).
  • Overall: at or above the peer median on 7 of 7 directional measures.

Return on Assets

1.86%

Rank 4 of 72

Net Interest Margin

3.78%

Rank 25 of 72

Efficiency Ratio

55.05%

Rank 9 of 72

Equity / Assets

13.65%

Rank 31 of 72

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.86%0.59%1.06%1.40%Beats 94%4 / 72
Return on Equity13.60%5.27%7.11%9.91%Beats 93%5 / 72
Net Interest Margin3.78%3.09%3.57%4.10%Beats 65%25 / 72
Efficiency Ratio55.05%64.37%73.67%81.63%Beats 89%9 / 72
Asset Quality
Nonperforming Loans / Loans0.33%0.20%0.58%1.09%Beats 69%23 / 72
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio13.65%10.74%12.96%16.84%Beats 57%31 / 72
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets13.65%10.74%12.96%16.84%Beats 57%31 / 72
Liquidity & Funding
Loans / Deposits56.36%34.39%52.54%65.98%57th pctl31 / 72
Loans / Assets48.95%30.23%45.37%57.67%56th pctl32 / 72
Brokered Deposits / Depositsn/aNot reported for this institution