# PENN STATE
Bellefonte, PA · NCUA charter 12729 · asset band $200-500M · latest filing 2026-03 · live
Share link (named URL with a preview card): https://getbookiq.com/cu/penn-state-12729

Who the members are: federal charter, multiple common bond, organized 1959, low-income designated. 14,380 members of 90,000 potential (16.0% of the field); checking penetration 70% (share draft accounts per 100 members); loans per 100 members 34.

**Verdict on the desk:** this could be *liquidity-rich*. Composite score 0 of 18 (one point per flag across 17 flags, capital below 7% counted twice).

## What the filing shows

| Measure | Value |
|---|---|
| Total assets | $270.2M |
| Members | 14,380 (-0.8% YoY) |
| Full-time staff | 42 |
| Net worth | $36.1M |
| Net worth ratio | 13.4% (p76 of band) |
| ROA (annualized) | 1.83% (p96 of band) |
| Total delinquency | 0.22% (p14 of band) |
| Net charge-offs (annualized) | 0.02% (p6 of band) |
| Loans / shares | 58% (p17 of band) |
| Cash / assets | 17.8% |
| Borrowings / assets | 0.00% |
| Net interest margin | 3.77% (p64 of band) |
| Operating expense / assets | 2.38% (p9 of band) |
| Vehicles % of loans | 10% (p8 of band) |
| Indirect vehicle % of vehicle (all-channel basis before 2022) | 0% |
| Third-party paper % of net worth | 0% (p9 of band) |
| Vehicle delinquency | 0.51% (p46 of band) |
| Vehicle NCO | 0.27% (p26 of band) |
| Repossessed % of vehicle book | 0.00% (p25 of band) |
| Real estate % of loans | 50% |
| Credit cards % of loans | 3% |
| Unsecured % of loans | 8% |
| Commercial % of net worth | 113% |
| Core shares % of member funds | 78% |
| Certificates % of member funds | 14% |
| Average share balance | $7,705 |
| Participations bought / yr | $0 |
| Participations sold / yr | $0 |
| Participations outstanding | $12.3M |
| Loans outstanding per 100 members | 34% |
| Loans granted per 100 members, annualized | 12% |
| Average loan balance | $27,830 |
| Loans granted, annualized | $45.2M |

## Participation posture (from the same filings)

Bought $0 and sold $0 in the latest annualized quarter; $12.3M outstanding purchased (33.9% of net worth), $0 sold and retained. Sold in 0 and bought in 7 of the last 8 quarters. Shares 4.8% year over year.

## Flags firing in the latest filing

- none

## Warning timeline

| Quarter | Score | Flags that first fired | Flags that cleared |
|---|---|---|---|
| 2016-03 | 1 | thin capital |  |
| 2016-06 | 1 |  |  |
| 2016-09 | 1 |  |  |
| 2016-12 | 1 |  |  |
| 2017-03 | 3 | net worth falling, members leaving |  |
| 2017-06 | 1 |  | net worth falling, members leaving |
| 2017-09 | 2 | delinquency rising |  |
| 2017-12 | 1 |  | delinquency rising |
| 2018-03 | 1 |  |  |
| 2018-06 | 1 |  |  |
| 2018-09 | 1 |  |  |
| 2018-12 | 1 | delinquency 2x band | thin capital |
| 2019-03 | 0 |  | delinquency 2x band |
| 2019-06 | 0 |  |  |
| 2019-09 | 0 |  |  |
| 2019-12 | 0 |  |  |
| 2020-03 | 0 |  |  |
| 2020-06 | 1 | net worth falling |  |
| 2020-09 | 1 | margin squeeze | net worth falling |
| 2020-12 | 2 | members leaving |  |
| 2021-03 | 3 | net worth falling |  |
| 2021-06 | 2 |  | net worth falling |
| 2021-09 | 1 |  | margin squeeze |
| 2021-12 | 1 |  |  |
| 2022-03 | 2 | delinquency rising |  |
| 2022-06 | 1 |  | members leaving |
| 2022-09 | 1 |  |  |
| 2022-12 | 1 |  |  |
| 2023-03 | 0 |  | delinquency rising |
| 2023-06 | 1 | delinquency rising |  |
| 2023-09 | 2 | assets shrinking |  |
| 2023-12 | 1 |  | delinquency rising |
| 2024-03 | 3 | net worth falling, delinquency rising, leaning on borrowings | assets shrinking |
| 2024-06 | 1 |  | net worth falling, delinquency rising |
| 2024-09 | 0 |  | leaning on borrowings |
| 2024-12 | 0 |  |  |
| 2025-03 | 2 | margin squeeze, assets shrinking |  |
| 2025-06 | 1 |  | margin squeeze |
| 2025-09 | 0 |  | assets shrinking |
| 2025-12 | 0 |  |  |
| 2026-03 | 0 |  |  |

## In the news (Google News, unfiltered, newest first; check the city)

- 2026-05-29 [42nd Children’s Miracle Network Telethon to air on WGAL8 - The Pennsylvania State University](https://news.google.com/rss/articles/CBMikgFBVV95cUxQY0hTbkhwM3A0eFZiZUUwNEYwd0d2RjlsSTBTSU5aelNSRGZlRUNuMUExcHZCRDJiMllNbnZtdHNYdmFyXzFBUmo4UENaTDF5bTBCeEh6TUxpNkNQcVo1dkVidlN3RnFaOG00VWtUU2FpZXhCcGR1UGQ5OUhJSlVrV1VyLUlteHllTEZ0UzFLSUlVZw?oc=5) · The Pennsylvania State University
- 2026-01-30 [Penn State Federal Credit Union Announces CEO Transition - Pennsylvania Business Central](https://news.google.com/rss/articles/CBMipAFBVV95cUxOTllwalYxMkVPdmJndlI1R3NpUlJOXzk1cVlNR09ya2pRWFlMakhKUGxZRlhjREJHdGZtallFUjFMQjZ6NUNwLW1iOWg4YXlTbjNJT3UyY21seWRiSXBqQ0NsYVZVYk5MMnR5UEcxd1ZMUGhOdXpUbE9wbno1bjFMMVBLY0s0VDQyRUtCV2RjaFI4akRwLTJpZDZiZllEeGVuMkIwYw?oc=5) · Pennsylvania Business Central
- 2026-06-23 [Penn State Federal Credit Union donates to Centre County YMCA to combat food insecurity - WTAJ](https://news.google.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?oc=5) · WTAJ
- 2026-03-04 [6 Credit Unions in 5 States Appoint New CEOs - CUTimes](https://news.google.com/rss/articles/CBMihwFBVV95cUxQUmk1VnNUSWhkQXVMQVBpbDRhTE8tVjZmaFNPWkpmYkpXbW1FZnBvN2R2SlBJTnk0M2VyU08zNnNVUlpSTXV5UVpaTzBMMHNxcW9GNHhWTHdVNHZJZnlfV01uN2dZcjZzSm9Zd3k3OHVsY3ZBb2JqS09YbVRQNW1HWEJIUkU3Y00?oc=5) · CUTimes
- 2026-05-26 [The City & State 2026 Forty Under 40 - City & State Pennsylvania](https://news.google.com/rss/articles/CBMikwFBVV95cUxNN0Q1dTVBWFZOdXpjZlNYaS1ieUNpOGMwN0ZuVExpRVZGZVI3LXY3N0JlNWFaLTdoUzRZU1JiakVFZzJvNXNybTRFTWs5cXpWd3hvTG9NYUE5TWFRVmt0cEp2dmxYeHNCQVhiQWF0NjU4YzlRNGJMNm9SVzQ2WS1pZ0dOVnJPV09XS1pxRzZhSkVnSVk?oc=5) · City & State Pennsylvania
- 2026-02-16 [27 more charged in central Pa. bank fraud conspiracy that led to $5 million in losses - PennLive.com](https://news.google.com/rss/articles/CBMixgFBVV95cUxQMDhPRWZUQTZETnhCd3ZKRzZFWmFBN1MxWmpuWWcwS0ptNmxZU0JHUkZteFZHOEY5eUU3MzAzTVRGYUl3SzIyMXQ0eVg2VjRPVlhxQnBWTXlTVHhaUS0yamlBZG1NaHVVZjkzQXhTNnVBbUh2QmpWM3lHODJ0LTM5bjl0VG92cVF1dkF4STNXQnhyT05fV0tPOFdBbVNIT3FYc2VmMnBOdThXa1I1Wm5ndXNmbkg5SkVRVUhVNnRzaERaVDdxVFE?oc=5) · PennLive.com
- 2017-08-11 [PSECU ELEVATES PARTNERSHIP WITH PENN STATE ATHLETICS TO KEYSTONE LEVEL - Learfield](https://news.google.com/rss/articles/CBMiqAFBVV95cUxPRExHbGhscFNmOS1LeTFpNDZ3VUlrRmlwUjZMYzhkWUFya3FxM1ozbXpZOVd0T2pLRW1PN0NVZlhMX1A0V3VsZ0RVRVBFN1VLRWhhZURYQXBYR0lZOFo5dHlRWXJYSzc5ZVlRMW9ueFpkRlQ5b2VIMnhtbVU3Rk1FQXcwQVlfd2pudWxUYk5UUnVXTjVXdDFfV1R3cE1tQkhxcFc1cXl5cHA?oc=5) · Learfield
- 2025-11-11 [Women’s Soccer Set to Play Penn State in the First Round of the NCAA Tournament - Patriot League](https://news.google.com/rss/articles/CBMiwwFBVV95cUxPMFFERDc1V3dhQ1JpYXluaVNfdkV0RmNVNTh2djdDbVRIZjROamNjSlVpeDNpRXN1NGlsQ1Fsb3FOT2M5YzY5bUZ3WXFKbnlvQTR1anNVdFRGc21IVC1vNHZ5R3RmOUI0QUozTk0xeTJVRzJjaHBBcUNvbHFWZmpaRUVJSkdYWG9MOTVyRkd3T25GaWc3Zmloa1NReVdiZzFOcDlvSF9sQzBvYlNlSFNFanRqbjJ0VVRTMkFPb05EUTR0eFU?oc=5) · Patriot League

## How to verify

- Page: https://getbookiq.com/cu-intel/#cu=12729 (every cell opens its formula and NCUA account codes; the News tab is the same search)
- Latest row, JSON: https://getbookiq.com/cu-intel/data/summary.json · history: https://getbookiq.com/cu-intel/data/h/57.json (key "12729", columns cycle, assets, loans, shares, networth, nwr, roa, total_dq_pct, total_nco_pct, vehicle, veh_pct_loans, indirect, ind_pct_veh, ind_veh, ind_re, ind_comm, ind_other, ind_pct_loans, loans_n, granted_n_ytd, granted_ann, loan_pen, granted_pen, avg_loan_bal, loans_per_fte, veh_part, tp_pct_nw, veh_dq_pct, veh_nco_pct, repo_pct_veh, members_yoy, ltos, cash_pct, borrow_pct, nim_pct, opex_pct, risk_score, members, fte, cash_total, invest_sec, allowance_eff, int_income_ytd, int_exp_ytd, provision_eff_ytd, nonint_income_ytd, nonint_exp_ytd, net_income_ytd, n_flags, re_pct_loans, cc_pct_loans, comm_pct_loans, cert_pct_shares, core_pct_shares, part_buy_ann, part_sell_ann, pot_members, sh_draft_n, chk_pen, fom_pen, flags)
- Participation history: https://getbookiq.com/participation-desk/#cu=12729
- Field definitions: https://getbookiq.com/dictionary/#cu-ltos and the rest of the credit union dictionary
- Source: NCUA 5300 call report bulk files. Income fields are annualized by cycle month (Mar x4, Jun x2, Sep x4/3, Dec x1). Percentiles are within the asset band in the same quarter.

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Rendered 2026-09-10 from the desks' own data files. Full guide: https://getbookiq.com/guide