Pennstar

Hermitage, PA · 1 · Charter #13760 · www.pennstarfederal.com
Small ($50M–$250M)Reporting period: Q4 2025Peer group: 1,262 CUs

Performance vs peers

Percentile rank within the Small ($50M–$250M) peer group (1,262 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$56.1M
7th percentile
Members
4,053
14th percentile
Total loans
$18.2M
3th percentile
Total shares
$47.0M
6th percentile

Profitability

Return on assets
0.80%
34th percentile
Net interest margin
2.78%
11th percentile
Efficiency ratio
61.54%
54th percentile
Non-interest income ratio
18.83%
59th percentile

Capital & Risk

Net worth ratio
15.95%
81th percentile
Delinquency rate
1.09%
29th percentile
Net charge-off rate
0.24%
61th percentile
Loan-to-share
38.68%
7th percentile

Growth

Member growth YoY
-1.05%
45th percentile
Asset growth YoY
2.53%
38th percentile
Loan growth YoY
-6.13%
14th percentile
Share growth YoY
2.44%
41th percentile

Operations

Members / branch
1,351
6th percentile
Assets / member
$13,838
45th percentile
Field of membership penetration
54.04%
92th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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