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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.86% | 0.59% | 1.06% | 1.40% | Beats 94% | 4 / 72 | |
| Return on Equity | 13.60% | 5.27% | 7.11% | 9.91% | Beats 93% | 5 / 72 | |
| Net Interest Margin | 3.78% | 3.09% | 3.57% | 4.10% | Beats 65% | 25 / 72 | |
| Efficiency Ratio | 55.05% | 64.37% | 73.67% | 81.63% | Beats 89% | 9 / 72 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.33% | 0.20% | 0.58% | 1.09% | Beats 69% | 23 / 72 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.65% | 10.74% | 12.96% | 16.84% | Beats 57% | 31 / 72 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.65% | 10.74% | 12.96% | 16.84% | Beats 57% | 31 / 72 | |
| Liquidity & Funding |
| Loans / Deposits | 56.36% | 34.39% | 52.54% | 65.98% | 57th pctl | 31 / 72 | |
| Loans / Assets | 48.95% | 30.23% | 45.37% | 57.67% | 56th pctl | 32 / 72 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |