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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.81% | 0.59% | 1.06% | 1.40% | Beats 36% | 46 / 72 | | |
| Return on Equity | 7.69% | 5.27% | 7.11% | 9.91% | Beats 53% | 34 / 72 | | |
| Net Interest Margin | 3.90% | 3.09% | 3.57% | 4.10% | Beats 68% | 23 / 72 | | |
| Efficiency Ratio | 76.64% | 64.37% | 73.67% | 81.63% | Beats 43% | 42 / 72 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.63% | 0.20% | 0.58% | 1.09% | Beats 44% | 41 / 72 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 10.56% | 10.74% | 12.96% | 16.84% | Beats 18% | 59 / 72 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 10.56% | 10.74% | 12.96% | 16.84% | Beats 18% | 59 / 72 | | |
| Liquidity & Funding |
| Loans / Deposits | 67.46% | 34.39% | 52.54% | 65.98% | 79th pctl | 15 / 72 | | |
| Loans / Assets | 60.20% | 30.23% | 45.37% | 57.67% | 81st pctl | 14 / 72 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |