Pennsylvania State Employees
Harrisburg, PA · Charter 64131 · Peer group: credit unions $1B-$10B in assets (n=435)
NCUA · 26 branches
Q2 2026
$9.7BAssets
$7.1BLoans
$8.5BShares
$1.1BNet Worth
Executive Summary
- Strongest standing: return on assets outperforms 99% of credit unions $1B-$10B in assets (rank 6 of 435).
- Widest gap: nonperforming loans / loans trails 56% of credit unions $1B-$10B in assets (rank 244 of 435).
- Overall: at or above the peer median on 6 of 7 directional measures.
Return on Assets
1.98%
Rank 6 of 435
Net Interest Margin
3.89%
Rank 78 of 435
Efficiency Ratio
49.27%
Rank 9 of 435
Equity / Assets
11.85%
Rank 147 of 435
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.98% | 0.55% | 0.81% | 1.14% | Beats 99% | 6 / 435 | | |
| Return on Equity | 16.67% | 5.12% | 7.41% | 9.70% | Beats 99% | 3 / 435 | | |
| Net Interest Margin | 3.89% | 3.01% | 3.39% | 3.75% | Beats 82% | 78 / 435 | | |
| Efficiency Ratio | 49.27% | 65.25% | 71.39% | 77.86% | Beats 98% | 9 / 435 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.75% | 0.45% | 0.69% | 1.05% | Beats 44% | 244 / 435 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 11.85% | 9.81% | 10.84% | 12.63% | Beats 66% | 147 / 435 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 11.85% | 9.81% | 10.84% | 12.63% | Beats 66% | 147 / 435 | | |
| Liquidity & Funding |
| Loans / Deposits | 84.00% | 78.33% | 88.38% | 95.61% | 38th pctl | 270 / 435 | | |
| Loans / Assets | 73.78% | 67.69% | 74.58% | 80.80% | 46th pctl | 233 / 435 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |