Erie, PA · Charter 12752
NCUA · 2 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
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.
Capital
49
Asset Quality
14
Profitability
67
Liquidity
40
Efficiency
64
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.
Erie, PA · Charter 12752
NCUA · 2 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.47% | 0.50% | 0.86% | 0.95% | 1.07% | 1.11% | 1.15% | 1.29% | +33 bps | |
| Return on Equity | 4.16% | 4.49% | 7.54% | 8.15% | 8.77% | 8.86% | 9.28% | 10.00% | +185 bps | |
| Net Interest Margin | 2.65% | 2.67% | 2.95% | 3.10% | 3.28% | 3.35% | 3.52% | 3.68% | +57 bps | |
| Efficiency Ratio | 83.37% | 81.13% | 75.59% | 74.87% | 72.46% | 71.62% | 69.36% | 68.04% | -683 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -2.52% | 1.91% | 0.41% | 0.08% | 0.10% | -2.04% | 0.90% | 0.42% | +34 bps | |
| Loan Growth (YoY) | 1.55% | -1.65% | -1.23% | -5.00% | -5.02% | -2.92% | -0.32% | 0.79% | +579 bps | |
| Share Growth (YoY) | -3.09% | 1.57% | -0.26% | -0.59% | -1.02% | -3.51% | -0.42% | -1.27% | -67 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.86% | 0.72% | 0.60% | 0.69% | 0.62% | 0.84% | 1.68% | 1.88% | +119 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 11.35% | 11.19% | 11.38% | 11.70% | 12.25% | 12.50% | 12.39% | 12.88% | +117 bps | |
| Net Worth / Assets | 11.35% | 11.19% | 11.38% | 11.70% | 12.25% | 12.50% | 12.39% | 12.88% | +117 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 40.07% | 38.08% | 36.98% | 37.34% | 38.45% | 38.31% | 37.02% | 38.12% | +78 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Erie, PA · Charter 12752 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 2 branches
Q2 2026
Return on Assets
1.29%
Rank 23 of 72
Net Interest Margin
3.68%
Rank 30 of 72
Efficiency Ratio
68.05%
Rank 27 of 72
Equity / Assets
12.88%
Rank 37 of 72
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 1.29% | 0.59% | 1.06% | 1.40% | Beats 68% | 23 / 72 | ||
| Return on Equity | 10.00% | 5.27% | 7.11% | 9.91% | Beats 76% | 17 / 72 | ||
| Net Interest Margin | 3.68% | 3.09% | 3.57% | 4.10% | Beats 58% | 30 / 72 | ||
| Efficiency Ratio | 68.05% | 64.37% | 73.67% | 81.63% | Beats 64% | 27 / 72 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 1.88% | 0.20% | 0.58% | 1.09% | Beats 14% | 63 / 72 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 12.88% | 10.74% | 12.96% | 16.84% | Beats 49% | 37 / 72 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 12.88% | 10.74% | 12.96% | 16.84% | Beats 49% | 37 / 72 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 38.12% | 34.39% | 52.54% | 65.98% | 31st pctl | 50 / 72 | ||
| Loans / Assets | 32.95% | 30.23% | 45.37% | 57.67% | 33rd pctl | 48 / 72 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||