Pennsylvania State Employees Credit Union
Total assets
$9.62B
▲ +6.7% YoY
Shares & deposits
$8.50B
▲ +5.2% YoY
Loans
$6.96B
▲ +6.1% YoY
Members
546,072
▼ -8.7% YoY
ROA (annualized)
1.78%
peers 0.71%
ROE (annualized)
15.73%
peers 6.28%
Peer comparison 450 credit unions with 1B-10B in assets
| Metric | This credit union | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +6.8% | +5.1% | +1.6 pts |
| Share growth (YoY) | +5.2% | +4.9% | +0.3 pts |
| Loan growth (YoY) | +6.1% | +5.4% | +0.6 pts |
| ROA | 1.78% | 0.71% | +1.1 pts |
| ROE | 15.7% | 6.3% | +9.5 pts |
ROA ranks in the 98th percentile of its peer group · Q1 2026
Profile
- Established
- 1933
- Charter
- FISCU
- Primary regulator
- NCUA
- NCUA peer group
- Peer group 6
- Address
- Po Box 67013, Harrisburg, PA, 17106
- NCUA charter #
- 64131
- RSSD ID
- 268592
- Latest call report
- Q1 2026
Total assets last 8 quarters
Members last 8 quarters
Quarterly financials NCUA 5300 call report
| Quarter | Assets | Shares | Loans | Net worth | Net income YTD | ROA | NIM | Delinquency | Members |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $9.62B | $8.50B | $6.96B | $1.09B | $42.9M | 1.78% | 3.84% | 0.77% | 546,072 |
| Q4 2025 | $9.31B | $8.21B | $6.90B | $1.05B | $145.9M | 1.57% | 3.78% | 0.89% | 544,889 |
| Q3 2025 | $9.00B | $7.97B | $6.80B | $1.02B | $104.5M | 1.55% | 3.86% | 0.85% | 563,709 |
| Q2 2025 | $9.01B | $8.03B | $6.65B | $975.7M | $64.2M | 1.42% | 3.77% | 0.87% | 564,139 |
| Q1 2025 | $9.02B | $8.08B | $6.56B | $938.6M | $27.2M | 1.20% | 3.67% | 0.70% | 598,050 |
| Q4 2024 | $8.72B | $7.80B | $6.60B | $911.5M | $84.2M | 0.97% | 3.54% | 0.83% | 595,617 |
| Q3 2024 | $8.55B | $7.63B | $6.60B | $915.4M | $79.2M | 1.24% | 3.59% | 0.86% | 594,078 |
| Q2 2024 | $8.54B | $7.67B | $6.59B | $898.7M | $62.5M | 1.46% | 3.54% | 0.85% | 591,352 |
Loan mix (Q1 2026): real estate $3.01B · commercial $50.1M · consumer $3.75B · securities $1.81B
Ratio pack Q1 2026 · peer medians from 450 institutions
Profitability
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.78% | 0.71% | 98th | |
Return on equity Annualized net income ÷ equity or net worth | 15.7% | 6.3% | 99th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.84% | 3.32% | 84th | |
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 50.6% | 73.0% | 2th | |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% | ||
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
Balance sheet
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
Capital
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
Credit quality
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
Franchise
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loans per member Member borrowing depth | 00.0% | 00.0% | ||
Deposits per member Member relationship depth | 00.0% | 00.0% |
12 more ratios, with trends and peer percentiles.
See Pro plan →The full ratio pack is part of CharterBench Pro.
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