Pennsylvania State Employees

HARRISBURG, PA · 2 · Charter #64131 · www.psecu.com
Mid ($1B–$10B)Reporting period: Q4 2025Peer group: 446 CUs

Performance vs peers

Percentile rank within the Mid ($1B–$10B) peer group (446 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$9.3B
97th percentile
Members
544,889
98th percentile
Total loans
$6.9B
98th percentile
Total shares
$8.2B
99th percentile

Profitability

Return on assets
2.16%
95th percentile
Net interest margin
3.78%
85th percentile
Efficiency ratio
39.04%
89th percentile
Non-interest income ratio
13.97%
21th percentile

Capital & Risk

Net worth ratio
11.27%
61th percentile
Delinquency rate
0.89%
37th percentile
Net charge-off rate
0.94%
17th percentile
Loan-to-share
84.02%
36th percentile

Growth

Member growth YoY
-8.52%
4th percentile
Asset growth YoY
6.70%
60th percentile
Loan growth YoY
4.50%
47th percentile
Share growth YoY
5.25%
48th percentile

Operations

Members / branch
34,056
98th percentile
Assets / member
$17,079
41th percentile
Field of membership penetration
16.21%
77th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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