PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

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