Pennstar
Hermitage, PA · Charter 13760 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
$58.7MAssets
$17.9MLoans
$49.3MShares
$9.1MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 71% of credit unions under $1B in assets (rank 486 of 1683).
- Widest gap: net interest margin trails 92% of credit unions under $1B in assets (rank 1540 of 1683).
- Overall: at or above the peer median on 3 of 7 directional measures.
Return on Assets
0.67%
Rank 925 of 1,683
Net Interest Margin
2.80%
Rank 1,540 of 1,683
Efficiency Ratio
78.09%
Rank 834 of 1,682
Equity / Assets
15.59%
Rank 486 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.67% | 0.35% | 0.74% | 1.18% | Beats 45% | 925 / 1,683 | |
| Return on Equity | 4.29% | 2.67% | 5.89% | 8.74% | Beats 37% | 1,053 / 1,681 | |
| Net Interest Margin | 2.80% | 3.31% | 3.82% | 4.32% | Beats 8% | 1,540 / 1,683 | |
| Efficiency Ratio | 78.09% | 68.91% | 78.20% | 86.93% | Beats 50% | 834 / 1,682 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.02% | 0.26% | 0.65% | 1.29% | Beats 33% | 1,136 / 1,682 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 15.59% | 10.44% | 12.89% | 16.53% | Beats 71% | 486 / 1,683 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 15.59% | 10.44% | 12.89% | 16.53% | Beats 71% | 486 / 1,683 | |
| Liquidity & Funding |
| Loans / Deposits | 36.39% | 52.61% | 69.38% | 83.50% | 8th pctl | 1,543 / 1,683 | |
| Loans / Assets | 30.55% | 44.71% | 59.18% | 70.72% | 8th pctl | 1,541 / 1,683 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |