PENN STATE
Charter #12729 · Bellefonte, PA · $100M-$500M
Public 5300 data · as of 2026Q1
What the numbers say
- Net worth ratio of 13.94% ranks in the 85th percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.86% ranks in the 97th percentile among structurally similar credit unions — a relative strength.
- Net interest margin of 3.85% ranks in the 87th percentile among structurally similar credit unions — a relative strength.
- Cost of funds of 0.77% ranks in the 18th percentile among structurally similar credit unions — a relative strength.
- Delinquency 60+ days of 0.22% ranks in the 15th percentile among structurally similar credit unions — a relative strength.
Headline ratios vs. peers
Two peer definitions side by side: the NCUA asset-size band, and Innorve's structural peers matched on loan mix, size, growth and geography.
| Metric | PENN STATE | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $270.25M | 69th pct | 49th pct |
| Members | 14,380 | 56th pct | 54th pct |
| Net worth ratio | 13.94% | 79th pct | 85th pct |
| Return on average assets | 1.86% | 95th pct | 97th pct |
| Net interest margin | 3.85% | 64th pct | 87th pct |
| Cost of funds | 0.77% | 28th pct | 18th pct |
| Loan-to-share | 58.12% | 23th pct | 38th pct |
| Delinquency 60+ days | 0.22% | 15th pct | 15th pct |
| Net charge-off ratio | 0.02% | 9th pct | 13th pct |
| Loan growth YoY | 4.73% | 85th pct | 84th pct |
| Share growth YoY | 5.01% | 71th pct | 64th pct |
| Efficiency ratio | 55.70% | 5th pct | 2th pct |
structural peer set hash: 38abe5f649b8ec804b059dcda07d92cf… (reproducible)
Closest structural peers
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Source: public NCUA 5300 Call Report data, cycle 2026Q1. Figures are computed deterministically by Innorve and may differ from figures the institution reports elsewhere. This page is informational and is not endorsed by the credit union or the NCUA.