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
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.57% | 0.59% | 1.06% | 1.40% | Beats 83% | 12 / 72 | |
| Return on Equity | 6.02% | 5.27% | 7.11% | 9.91% | Beats 35% | 47 / 72 | |
| Net Interest Margin | 3.34% | 3.09% | 3.57% | 4.10% | Beats 35% | 47 / 72 | |
| Efficiency Ratio | 53.15% | 64.37% | 73.67% | 81.63% | Beats 90% | 8 / 72 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.70% | 0.20% | 0.58% | 1.09% | Beats 42% | 43 / 72 | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 26.10% | 10.74% | 12.96% | 16.84% | Beats 96% | 3 / 72 | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 26.10% | 10.74% | 12.96% | 16.84% | Beats 96% | 3 / 72 | |
| Liquidity & Funding |
| Loans / Deposits | 30.96% | 34.39% | 52.54% | 65.98% | 14th pctl | 62 / 72 | |
| Loans / Assets | 22.71% | 30.23% | 45.37% | 57.67% | 10th pctl | 65 / 72 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |