PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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