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Pennsylvania Central

Harrisburg, PA · Charter 2625

NCUA · 3 branches

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in PA3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets in PA (n=72). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

18

Q2 2024Q2 2026peer median (50)

Asset Quality

44

Q2 2024Q2 2026peer median (50)

Profitability

52

Q2 2024Q2 2026peer median (50)

Liquidity

38

Q2 2024Q2 2026peer median

Efficiency

43

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Pennsylvania Central

Harrisburg, PA · Charter 2625

NCUA · 3 branches

Q2 2026

$138.9MAssets
$83.6MLoans
$123.9MShares
$14.7MNet 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 0.81%, up 7 bps year over year; NIM at 3.90%.
  • Asset quality: problem loans at 0.63% of loans (+11 bps YoY).
  • Capital: net worth / assets of 10.56%, up 131 bps from a year ago.
  • Funding: loans stand at 67.46% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.81%+7 bps YoY

Net Interest Margin (YTD, annualized)

3.90%-7 bps YoY

Efficiency Ratio (YTD, annualized)

76.67%-110 bps YoY

Net Worth / Assets

10.56%+131 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.75%0.75%0.81%0.72%0.81%+7 bps
Return on Equity8.07%6.89%7.58%6.83%7.69%-38 bps
Net Interest Margin3.97%3.25%3.41%3.91%3.90%-7 bps
Efficiency Ratio77.77%76.11%75.37%78.91%76.67%-110 bps
Growth
Asset Growth (YoY)3.35%56.80%61.16%59.63%61.80%+5,845 bps
Loan Growth (YoY)5.42%66.03%77.88%65.12%45.81%+4,040 bps
Share Growth (YoY)2.38%55.09%59.41%58.74%61.34%+5,896 bps
Asset Quality
Delinquent Loans / Loans0.52%0.56%0.82%0.59%0.63%+11 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 Capital9.25%10.92%10.67%10.48%10.56%+131 bps
Net Worth / Assets9.25%10.92%10.67%10.48%10.56%+131 bps
Liquidity & Funding
Loans / Shares74.65%74.84%72.60%68.23%67.46%-718 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Pennsylvania Central

Harrisburg, PA · Charter 2625 · Peer group: credit unions under $1B in assets in PA (n=72)

NCUA · 3 branches

Q2 2026

$138.9MAssets
$83.6MLoans
$123.9MShares
$14.7MNet Worth

Executive Summary

  • Strongest standing: net interest margin outperforms 68% of credit unions under $1B in assets in PA (rank 23 of 72).
  • Widest gap: equity / assets trails 82% of credit unions under $1B in assets in PA (rank 59 of 72).
  • Overall: at or above the peer median on 2 of 7 directional measures.

Return on Assets

0.81%

Rank 46 of 72

Net Interest Margin

3.90%

Rank 23 of 72

Efficiency Ratio

76.64%

Rank 42 of 72

Equity / Assets

10.56%

Rank 59 of 72

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.81%0.59%1.06%1.40%Beats 36%46 / 72
Return on Equity7.69%5.27%7.11%9.91%Beats 53%34 / 72
Net Interest Margin3.90%3.09%3.57%4.10%Beats 68%23 / 72
Efficiency Ratio76.64%64.37%73.67%81.63%Beats 43%42 / 72
Asset Quality
Nonperforming Loans / Loans0.63%0.20%0.58%1.09%Beats 44%41 / 72
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio10.56%10.74%12.96%16.84%Beats 18%59 / 72
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets10.56%10.74%12.96%16.84%Beats 18%59 / 72
Liquidity & Funding
Loans / Deposits67.46%34.39%52.54%65.98%79th pctl15 / 72
Loans / Assets60.20%30.23%45.37%57.67%81st pctl14 / 72
Brokered Deposits / Depositsn/aNot reported for this institution