PENNSYLVANIA STATE EMPLOYEES
Charter #64131 · HARRISBURG, PA · >$1B
Public 5300 data · as of 2026Q1
What the numbers say
- Members of 546,072 ranks in the 82nd percentile among structurally similar credit unions — a relative strength.
- Return on average assets of 1.81% ranks in the 95th percentile among structurally similar credit unions — a relative strength.
- Efficiency ratio of 50.64% ranks in the 2nd percentile among structurally similar credit unions — a relative strength.
- On Net charge-off ratio, the asset-size band puts this credit union at the 77th percentile but its structural peers at the 46th — a 31-point gap showing why the peer definition matters.
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 | PENNSYLVANIA STATE EMPLOYEES | Asset-tier percentile | Structural percentile |
|---|---|---|---|
| Total assets | $9.62B | 94th pct | 82th pct |
| Members | 546,072 | 95th pct | 82th pct |
| Net worth ratio | 11.34% | 62th pct | 61th pct |
| Return on average assets | 1.81% | 98th pct | 95th pct |
| Net interest margin | 3.91% | 85th pct | 56th pct |
| Cost of funds | 1.91% | 56th pct | 57th pct |
| Loan-to-share | 81.82% | 36th pct | 46th pct |
| Delinquency 60+ days | 0.77% | 64th pct | 52th pct |
| Net charge-off ratio | 0.85% | 77th pct | 46th pct |
| Loan growth YoY | 2.28% | 57th pct | 66th pct |
| Share growth YoY | 6.68% | 80th pct | 80th pct |
| Efficiency ratio | 50.64% | 2th pct | 2th pct |
structural peer set hash: c5b984e50d3a9cfa561fe90e98bfbba1… (reproducible)
Closest structural peers
This is the free public view
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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.