PENN STATE

Charter #12729 | PA

100M-500M (1077 CUs) Micro
61 100M-500M in PA

PENN STATE has 4 strengths but faces 6 concerns

Key Strengths

Areas where this CU excels compared to peers

  • + Relationship Depth Leader: Top 4.2% in tier
  • + Wallet Share Momentum: Top 15.8% in tier
  • + ROA 0.27% above tier average
  • + Indirect Auto Concentration (%): Top 0.0% in tier

Key Concerns

Areas that may need attention

  • - Cost Spiral: Bottom 4.5% in tier
  • - Liquidity Overhang: Bottom 10.9% in tier
  • - Margin Compression: Bottom 11.5% in tier
  • - Stagnation Risk: Bottom 13.3% in tier
  • - Membership Headwinds: Bottom 26.8% in tier
  • - Flatlined Growth: Bottom 54.4% in tier

Core Metrics

As of 2025-Q3

Metric Current vs Tier Tier Avg State Avg (PA) National Avg Tier Percentile
Members 14,400
-1.2% YoY-0.3% QoQ
 -1.2K 15,628
-3.4% YoY
 17,552
+5.9% YoY
 33,089
+6.1% YoY
 55th in tier
Assets $254.6M
+2.0% YoY+0.7% QoQ
 +$23.3M $231.3M
-0.0% YoY
 $283.8M
+10.6% YoY
 $547.7M
+7.8% YoY
 65th in tier
Loans $130.6M
+9.0% YoY+3.0% QoQ
 $-17.2M $147.8M
-1.4% YoY
 $193.1M
+8.6% YoY
 $388.7M
+8.6% YoY
 53rd in tier
Deposits $224.2M
+1.6% YoY-0.2% QoQ
 +$23.9M $200.3M
-0.0% YoY
 $243.3M
+10.9% YoY
 $464.6M
+9.3% YoY
 65th in tier
ROA 1.1%
-25.6% YoY+47.7% QoQ
 +0.3% 0.8%
+15.5% YoY
 0.8%
+22.9% YoY
 0.7%
+273.4% YoY
 69th in tier
NIM 3.1%
-6.0% YoY+12.0% QoQ
 -0.4% 3.6%
+6.9% YoY
 3.5%
+4.5% YoY
 3.7%
+5.0% YoY
 25th in tier
Efficiency Ratio 67.1%
+15.6% YoY-9.7% QoQ
 -10.2% 77.3%
-3.0% YoY
 76.2%
-1.5% YoY
 79.1%
-3.3% YoY
 Bottom 18.9% in tier
Delinquency Rate 0.3%
-56.2% YoY+11.7% QoQ
 -0.6 0.9%
+7.6% YoY
 1.3%
-8.2% YoY
 1.2%
-0.9% YoY
 Bottom 17.1% in tier
Loan To Share 58.3%
+7.3% YoY+3.2% QoQ
 -14.4% 72.7%
-1.5% YoY
 55.4%
-2.3% YoY
 68.0%
-1.7% YoY
 Bottom 18.8% in tier
AMR $24,640
+5.5% YoY+1.3% QoQ
 +$277 $24,363
+2.9% YoY
 $16,339
+4.2% YoY
 $19,418
+1.3% YoY
 63rd in tier
CD Concentration 12.7%
-1.6% YoY-0.7% QoQ
 -11.7% 24.4%
+4.2% YoY
 15.5%
+9.2% YoY
 19.6%
+6.2% YoY
 50th in tier
Indirect Auto % 0.0%
-100.0% YoY
 -14.0% 14.0%
-5.8% YoY
 8.0%
+2.0% YoY
 7.9%
-2.9% YoY
 50th in tier

Signature Analysis

Strengths (2)

Relationship Depth Leader

growth
#118 of 1006 • Top 4.2% in tier

Average member relationship growing year-over-year. Increasing engagement suggests members are consolidating more business here.

Why This Signature
AMR Growth (YoY): 5.46%
(Tier: 3.68%, National: 4.19%)
better than tier avg
Share Draft per Member: $4.8K
(Tier: $2.8K, National: $2.0K)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank improving

Wallet Share Momentum

growth
#435 of 1006 • Top 15.8% in tier

Average member relationship growing year-over-year. Members are deepening their engagement.

Why This Signature
AMR Growth (YoY): 5.46%
(Tier: 3.68%, National: 4.19%)
better than tier avg
1006 of 1077 Community CUs have this signature | 1330 nationally
↑ Growing +249 CUs YoY | Rank worsening

Concerns (6)

Cost Spiral

risk
#12 of 62 • Bottom 4.5% in tier

Historically lean operator now seeing efficiency ratio rise significantly. Efficiency advantage eroding - early intervention critical.

Why This Signature
Efficiency Ratio Change: 9.07% points
(Tier: -2.84% points, National: -1.81% points)
worse than tier avg
Efficiency Ratio (Prior Year): -
(Tier: -, National: -)
Total Assets: $254.64M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
62 of 1077 Community CUs have this signature | 80 nationally
↓ Shrinking -38 CUs YoY | New qualifier

Liquidity Overhang

risk
#170 of 552 • Bottom 10.9% in tier

Very high net worth ratio (>12%). Strong capital position may indicate opportunity to deploy capital more productively.

Why This Signature
Net Worth Ratio: 13.69%
(Tier: 11.95%, National: 14.51%)
but better than tier avg
Loan-to-Share Ratio: 58.27%
(Tier: 74.56%, National: 67.96%)
worse than tier avg
552 of 1077 Community CUs have this signature | 691 nationally
↑ Growing +65 CUs YoY | Rank improving

Margin Compression

decline
#49 of 136 • Bottom 11.5% in tier

Strong profitability track record but margins eroding. Something changed - rising costs or falling yields need addressing.

Why This Signature
Return on Assets: 1.06%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
ROA Change (YoY): -0.36% points
(Tier: 0.11% points, National: 0.05% points)
worse than tier avg
Total Assets: $254.64M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
136 of 1077 Community CUs have this signature | 169 nationally
↓ Shrinking -43 CUs YoY | Rank improving

Stagnation Risk

risk
#220 of 550 • Bottom 13.3% in tier

Membership is declining. If profitability remains stable, current success may mask future risk from a shrinking member base.

Why This Signature
Return on Assets: 1.06%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
Member Growth (YoY): -1.21%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
Avg Member Relationship: $24.6K
(Tier: $25.0K, National: $19.4K)
worse than tier avg
CD Concentration: 12.70%
(Tier: 24.41%, National: 19.60%)
but better than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank worsening

Membership Headwinds

decline
#441 of 550 • Bottom 26.8% in tier

Membership declining year-over-year. They need solutions to stop the bleeding before it impacts revenue.

Why This Signature
Member Growth (YoY): -1.21%
(Tier: 0.88%, National: 9.37%)
worse than tier avg
550 of 1077 Community CUs have this signature | 648 nationally
→ Stable (555→550 CUs) -5 CUs YoY | Rank improving

Flatlined Growth

risk
#57 of 58 • Bottom 54.4% in tier

Asset growth has flattened despite healthy profitability. May indicate a need to reassess growth strategy.

Why This Signature
Total Assets: $254.64M
(Tier: $231.30M, National: $547.69M)
but better than tier avg
Asset Growth (YoY): 1.98%
(Tier: 4.61%, National: 3.04%)
worse than tier avg
Return on Assets: 1.06%
(Tier: 0.77%, National: 0.71%)
but better than tier avg
58 of 1077 Community CUs have this signature | 82 nationally
↑ Growing +10 CUs YoY | New qualifier

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Comparing against 1077 peers in tier

Top Strengths (6 metrics)

1
Indirect Auto Concentration (%)
balance_sheet
Value: 0.00%
Peer Avg: 13.34%
#1 of 1077 Top 0.0% in 100M-500M tier
179
Share Certificate Concentration (%)
balance_sheet
Value: 12.70%
Peer Avg: 23.61%
#179 of 1077 Top 16.5% in 100M-500M tier
185
Total Delinquency Rate (60+ days)
risk
Value: 0.28%
Peer Avg: 0.86%
#185 of 1077 Top 17.1% in 100M-500M tier
201
Loan Growth Rate
growth
Value: 9.00%
Peer Avg: 3.45%
#201 of 1077 Top 18.6% in 100M-500M tier
205
Efficiency Ratio
profitability
Value: 67.12%
Peer Avg: 77.28%
#205 of 1077 Top 18.9% in 100M-500M tier
257
Net Worth Ratio
risk
Value: 13.69%
Peer Avg: 12.15%
#257 of 1077 Top 23.8% in 100M-500M tier

Top Weaknesses (2 metrics)

914
Fee Income Per Member
profitability
Value: $100.55
Peer Avg: $174.31
#914 of 1077 Bottom 15.2% in 100M-500M tier
874
Loan-to-Share Ratio
balance_sheet
Value: 58.27%
Peer Avg: 72.70%
#874 of 1077 Bottom 18.9% in 100M-500M tier