PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Pennsylvania State Employees

Harrisburg, PA · Charter 64131

NCUA · 26 branches

Q2 2026

$9.7BAssets
$7.1BLoans
$8.5BShares
$1.1BNet Worth

Executive Summary

  • Earnings: ROA of 1.98%, up 55 bps year over year; NIM at 3.89%.
  • Asset quality: problem loans at 0.75% of loans (-12 bps YoY).
  • Capital: net worth / assets of 11.85%, up 102 bps from a year ago.
  • Funding: loans stand at 84.00% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

1.98%+55 bps YoY

Net Interest Margin (quarter, annualized)

3.89%+12 bps YoY

Efficiency Ratio (quarter, annualized)

49.27%-439 bps YoY

Net Worth / Assets

11.85%+102 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.24%0.97%1.20%1.42%1.55%1.57%1.78%1.98%+55 bps
Return on Equity11.53%9.23%11.57%13.16%13.72%13.91%15.73%16.67%+352 bps
Net Interest Margin3.59%3.54%3.67%3.77%3.86%3.78%3.84%3.89%+12 bps
Efficiency Ratio52.02%53.24%54.60%53.65%53.19%53.81%50.64%49.27%-439 bps
Growth
Asset Growth (YoY)4.92%6.00%5.94%5.46%5.30%6.70%6.75%7.15%+169 bps
Loan Growth (YoY)2.24%1.15%0.67%0.89%2.99%4.50%6.09%7.07%+619 bps
Share Growth (YoY)3.90%5.11%5.46%4.63%4.41%5.25%5.20%5.60%+98 bps
Asset Quality
Delinquent Loans / Loans0.86%0.83%0.70%0.87%0.85%0.89%0.77%0.75%-12 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital10.71%10.45%10.41%10.83%11.29%11.27%11.34%11.85%+102 bps
Net Worth / Assets10.71%10.45%10.41%10.83%11.29%11.27%11.34%11.85%+102 bps
Liquidity & Funding
Loans / Shares86.52%84.62%81.14%82.85%85.34%84.02%81.82%84.00%+115 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps