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Penn South Cooperative

New York, NY · Charter 15459

NCUA · 1 branch

Q2 2026

$8.1MAssets
$7.1MLoans
$6.7MShares
$1.2MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Financial Results

Return on Assets (quarter, annualized)

1.24%+161 bps YoY

Net Interest Margin (quarter, annualized)

4.22%+70 bps YoY

Efficiency Ratio (quarter, annualized)

73.79%-3,617 bps YoY

Net Worth / Assets

15.08%+62 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Return on Assets-0.37%0.20%0.35%1.14%1.24%+161 bps
Net Interest Margin3.52%3.78%3.68%3.90%4.22%+70 bps
Asset Growth (YoY)1.08%1.19%4.49%2.12%3.86%+278 bps
Share Growth (YoY)0.62%0.77%4.61%2.61%3.63%+301 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Risk-Based Capital14.46%14.53%14.08%14.69%15.08%+62 bps
Loans / Shares97.29%99.24%93.54%102.55%105.82%+853 bps