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Pse Credit Union, Inc.

Parma, OH · Charter 96768

NCUA · 5 branches

Q2 2026

$352.5MAssets
$232.5MLoans
$313.0MShares
$39.0MNet Worth

Executive Summary

  • Earnings: ROA of 0.90%, down 25 bps year over year; NIM at 3.83%.
  • Asset quality: problem loans at 0.61% of loans (+1 bps YoY).
  • Capital: net worth / assets of 11.08%, up 39 bps from a year ago.
  • Funding: loans stand at 74.29% of shares as of Q2 2026.

Return on Assets (quarter, annualized)

0.90%-25 bps YoY

Net Interest Margin (quarter, annualized)

3.83%+16 bps YoY

Efficiency Ratio (quarter, annualized)

67.03%+181 bps YoY

Net Worth / Assets

11.08%+39 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.63%0.72%1.06%1.15%1.24%1.09%0.69%0.90%-25 bps
Return on Equity5.88%6.80%10.17%10.72%11.31%10.04%6.33%8.10%-263 bps
Net Interest Margin3.37%3.34%3.58%3.67%3.71%3.67%3.79%3.83%+16 bps
Efficiency Ratio66.45%66.72%67.18%65.22%63.04%64.62%71.71%67.03%+181 bps
Growth
Asset Growth (YoY)5.53%5.91%6.36%6.17%7.07%7.17%5.01%5.31%-87 bps
Loan Growth (YoY)0.19%3.23%1.63%4.75%7.06%5.92%9.49%16.91%+1,216 bps
Share Growth (YoY)4.65%5.67%5.50%5.71%5.75%6.13%4.10%4.58%-113 bps
Asset Quality
Delinquent Loans / Loans0.93%0.92%0.59%0.60%0.79%0.89%0.60%0.61%+1 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 Capital10.65%10.52%10.47%10.69%10.96%10.86%10.92%11.08%+39 bps
Net Worth / Assets10.65%10.52%10.47%10.69%10.96%10.86%10.92%11.08%+39 bps
Liquidity & Funding
Loans / Shares67.99%67.74%64.12%66.46%68.83%67.61%67.44%74.29%+784 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps