Penn State

BELLEFONTE, PA · 1 · Charter #12729 · www.pennstatefederal.com
Community ($250M–$1B)Reporting period: Q4 2025Peer group: 673 CUs

Performance vs peers

Percentile rank within the Community ($250M–$1B) peer group (673 credit unions). Higher percentile = stronger relative to peers (lower is better for rates like delinquency).

Size

Total assets
$259.2M
4th percentile
Members
14,376
8th percentile
Total loans
$133.9M
3th percentile
Total shares
$227.5M
5th percentile

Profitability

Return on assets
1.40%
77th percentile
Net interest margin
3.27%
38th percentile
Efficiency ratio
51.42%
78th percentile
Non-interest income ratio
11.75%
11th percentile

Capital & Risk

Net worth ratio
13.47%
81th percentile
Delinquency rate
0.25%
90th percentile
Net charge-off rate
0.24%
73th percentile
Loan-to-share
58.86%
11th percentile

Growth

Member growth YoY
-1.05%
32th percentile
Asset growth YoY
3.33%
36th percentile
Loan growth YoY
12.54%
89th percentile
Share growth YoY
1.34%
20th percentile

Operations

Members / branch
7,188
84th percentile
Assets / member
$18,032
64th percentile
Field of membership penetration
15.97%
81th percentile

Trend

Quarterly history for the last 5 quarters.

Total assets

Members

Net worth ratio

Return on assets

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