PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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 (quarter, annualized)

0.81%+7 bps YoY

Net Interest Margin (quarter, annualized)

3.90%-7 bps YoY

Efficiency Ratio (quarter, annualized)

76.67%-110 bps YoY

Net Worth / Assets

10.56%+131 bps YoY

Discrete quarter, annualized.

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