PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Penntech Employees

Johnsonburg, PA · Charter 13469

NCUA · 2 branches

Q2 2026

$13.9MAssets
$4.9MLoans
$12.4MShares
$1.4MNet 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 0.28%, up 6 bps year over year; NIM at 3.02%.
  • Asset quality: problem loans at 2.90% of loans (+54 bps YoY).
  • Capital: net worth / assets of 10.30%, down 124 bps from a year ago.
  • Funding: loans stand at 39.56% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.28%+6 bps YoY

Net Interest Margin (quarter, annualized)

3.02%-59 bps YoY

Efficiency Ratio (quarter, annualized)

81.44%+100 bps YoY

Net Worth / Assets

10.30%-124 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.22%0.27%0.23%0.51%0.28%+6 bps
Return on Equity1.88%2.39%2.04%4.66%2.71%+83 bps
Net Interest Margin3.61%3.62%3.60%3.31%3.02%-59 bps
Efficiency Ratio80.44%79.22%80.49%75.68%81.44%+100 bps
Growth
Asset Growth (YoY)6.47%4.01%5.99%5.10%14.83%+836 bps
Loan Growth (YoY)-4.96%-8.50%-6.60%-2.34%-2.42%+254 bps
Share Growth (YoY)6.90%3.91%6.60%5.42%16.23%+932 bps
Asset Quality
Delinquent Loans / Loans2.37%2.08%2.67%0.74%2.90%+54 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 Capital11.54%11.41%11.28%10.90%10.30%-124 bps
Net Worth / Assets11.54%11.41%11.28%10.90%10.30%-124 bps
Liquidity & Funding
Loans / Shares47.12%45.22%45.15%41.16%39.56%-756 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps