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 | |