Penlanco
Lancaster, PA · Charter 2834 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 1 branch
Q2 2026
$26.9MAssets
$17.3MLoans
$23.5MShares
$3.4MNet Worth
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 79% of credit unions under $1B in assets in PA (rank 16 of 72).
- Widest gap: return on assets trails 86% of credit unions under $1B in assets in PA (rank 62 of 72).
- Overall: at or above the peer median on 1 of 7 directional measures.
Return on Assets
0.42%
Rank 62 of 72
Net Interest Margin
2.98%
Rank 60 of 72
Efficiency Ratio
83.45%
Rank 59 of 72
Equity / Assets
12.49%
Rank 40 of 72
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.42% | 0.59% | 1.06% | 1.40% | Beats 14% | 62 / 72 | |
| Return on Equity | 3.33% | 5.27% | 7.11% | 9.91% | Beats 17% | 60 / 72 | |
| Net Interest Margin | 2.98% | 3.09% | 3.57% | 4.10% | Beats 17% | 60 / 72 | |
| Efficiency Ratio | 83.45% | 64.37% | 73.67% | 81.63% | Beats 19% | 59 / 72 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.15% | 0.20% | 0.58% | 1.09% | Beats 79% | 16 / 72 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 12.49% | 10.74% | 12.96% | 16.84% | Beats 44% | 40 / 72 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 12.49% | 10.74% | 12.96% | 16.84% | Beats 44% | 40 / 72 | |
| Liquidity & Funding |
| Loans / Deposits | 73.48% | 34.39% | 52.54% | 65.98% | 86th pctl | 10 / 72 | |
| Loans / Assets | 64.21% | 30.23% | 45.37% | 57.67% | 86th pctl | 10 / 72 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |