PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Penn East

Scranton, PA · Charter 2742

NCUA · 5 branches

Q2 2026

$280.4MAssets
$125.6MLoans
$257.0MShares
$29.6MNet 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 0.65%, up 29 bps year over year; NIM at 2.83%.
  • Asset quality: problem loans at 0.20% of loans (-27 bps YoY).
  • Capital: net worth / assets of 10.57%, up 23 bps from a year ago.
  • Funding: loans stand at 48.87% of shares as of Q2 2026.

Financial Results

Return on Assets (quarter, annualized)

0.65%+29 bps YoY

Net Interest Margin (quarter, annualized)

2.83%+8 bps YoY

Efficiency Ratio (quarter, annualized)

83.61%-595 bps YoY

Net Worth / Assets

10.57%+23 bps YoY

Discrete quarter, annualized.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.35%0.42%0.49%0.69%0.65%+29 bps
Return on Equity3.44%4.01%4.70%6.58%6.11%+267 bps
Net Interest Margin2.75%2.83%2.83%2.88%2.83%+8 bps
Efficiency Ratio89.56%87.82%85.92%82.85%83.61%-595 bps
Growth
Asset Growth (YoY)2.44%3.36%4.70%2.14%4.02%+159 bps
Loan Growth (YoY)-1.59%1.39%2.65%-1.85%-1.24%+35 bps
Share Growth (YoY)0.95%2.28%2.74%0.74%2.74%+179 bps
Asset Quality
Delinquent Loans / Loans0.47%0.15%0.46%0.19%0.20%-27 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 Capital10.33%10.52%10.50%10.52%10.57%+23 bps
Net Worth / Assets10.33%10.52%10.50%10.52%10.57%+23 bps
Liquidity & Funding
Loans / Shares50.85%51.66%50.06%47.34%48.87%-197 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps