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Locomotive & Control Employees

Erie, PA · Charter 1111

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in PA3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets in PA (n=72). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

96

Q2 2024Q2 2026peer median (50)

Asset Quality

42

Q2 2024Q2 2026peer median (50)

Profitability

51

Q2 2024Q2 2026peer median (50)

Liquidity

9

Q2 2024Q2 2026peer median

Efficiency

90

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Locomotive & Control Employees

Erie, PA · Charter 1111

NCUA · 1 branch

Q2 2026

$20.3MAssets
$4.6MLoans
$14.9MShares
$5.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 1.57%, down 37 bps year over year; NIM at 3.34%.
  • Asset quality: problem loans at 0.71% of loans (+59 bps YoY).
  • Capital: net worth / assets of 26.10%, up 74 bps from a year ago.
  • Funding: loans stand at 30.96% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.57%-37 bps YoY

Net Interest Margin (YTD, annualized)

3.34%-26 bps YoY

Efficiency Ratio (YTD, annualized)

53.24%+534 bps YoY

Net Worth / Assets

26.10%+74 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.94%2.09%2.03%1.44%1.57%-37 bps
Return on Equity7.66%8.04%7.77%5.50%6.01%-165 bps
Net Interest Margin3.60%3.64%3.61%3.42%3.34%-26 bps
Efficiency Ratio47.90%44.67%46.36%54.30%53.24%+534 bps
Growth
Asset Growth (YoY)3.94%2.18%1.96%2.81%4.46%+52 bps
Loan Growth (YoY)-10.36%-2.58%-0.05%-2.49%-0.53%+983 bps
Share Growth (YoY)2.29%0.17%-0.17%1.15%3.46%+117 bps
Asset Quality
Delinquent Loans / Loans0.12%0.48%0.67%0.98%0.71%+59 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital25.36%25.94%26.15%26.14%26.10%+74 bps
Net Worth / Assets25.36%25.94%26.15%26.14%26.10%+74 bps
Liquidity & Funding
Loans / Shares32.20%33.91%33.75%31.83%30.96%-124 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Locomotive & Control Employees

Erie, PA · Charter 1111 · Peer group: credit unions under $1B in assets in PA (n=72)

NCUA · 1 branch

Q2 2026

$20.3MAssets
$4.6MLoans
$14.9MShares
$5.3MNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 96% of credit unions under $1B in assets in PA (rank 3 of 72).
  • Widest gap: net interest margin trails 65% of credit unions under $1B in assets in PA (rank 47 of 72).
  • Overall: at or above the peer median on 4 of 7 directional measures.

Return on Assets

1.57%

Rank 12 of 72

Net Interest Margin

3.34%

Rank 47 of 72

Efficiency Ratio

53.15%

Rank 8 of 72

Equity / Assets

26.10%

Rank 3 of 72

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets1.57%0.59%1.06%1.40%Beats 83%12 / 72
Return on Equity6.02%5.27%7.11%9.91%Beats 35%47 / 72
Net Interest Margin3.34%3.09%3.57%4.10%Beats 35%47 / 72
Efficiency Ratio53.15%64.37%73.67%81.63%Beats 90%8 / 72
Asset Quality
Nonperforming Loans / Loans0.70%0.20%0.58%1.09%Beats 42%43 / 72
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio26.10%10.74%12.96%16.84%Beats 96%3 / 72
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets26.10%10.74%12.96%16.84%Beats 96%3 / 72
Liquidity & Funding
Loans / Deposits30.96%34.39%52.54%65.98%14th pctl62 / 72
Loans / Assets22.71%30.23%45.37%57.67%10th pctl65 / 72
Brokered Deposits / Depositsn/aNot reported for this institution