Penntech Employees
Johnsonburg, PA · Charter 13469 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 2 branches
Q2 2026
$13.9MAssets
$4.9MLoans
$12.4MShares
$1.4MNet Worth
Executive Summary
- Strongest standing: efficiency ratio outperforms 26% of credit unions under $1B in assets in PA (rank 54 of 72).
- Widest gap: nonperforming loans / loans trails 99% of credit unions under $1B in assets in PA (rank 72 of 72).
- Overall: at or above the peer median on 0 of 7 directional measures.
Return on Assets
0.27%
Rank 69 of 72
Net Interest Margin
3.02%
Rank 57 of 72
Efficiency Ratio
81.60%
Rank 54 of 72
Equity / Assets
10.30%
Rank 60 of 72
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.27% | 0.59% | 1.06% | 1.40% | Beats 4% | 69 / 72 | | |
| Return on Equity | 2.66% | 5.27% | 7.11% | 9.91% | Beats 14% | 62 / 72 | | |
| Net Interest Margin | 3.02% | 3.09% | 3.57% | 4.10% | Beats 21% | 57 / 72 | | |
| Efficiency Ratio | 81.60% | 64.37% | 73.67% | 81.63% | Beats 26% | 54 / 72 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 2.90% | 0.20% | 0.58% | 1.09% | Beats 1% | 72 / 72 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.30% | 10.74% | 12.96% | 16.84% | Beats 17% | 60 / 72 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.30% | 10.74% | 12.96% | 16.84% | Beats 17% | 60 / 72 | | |
| Liquidity & Funding |
| Loans / Deposits | 39.56% | 34.39% | 52.54% | 65.98% | 35th pctl | 47 / 72 | | |
| Loans / Assets | 35.22% | 30.23% | 45.37% | 57.67% | 38th pctl | 45 / 72 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |