Erie, PA · Charter 1476
NCUA · 12 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.25% | 0.24% | 0.35% | 0.23% | 1.13% | +88 bps | |
| Return on Equity | 2.53% | 2.40% | 3.48% | 2.31% | 10.68% | +815 bps | |
| Net Interest Margin | 3.28% | 3.37% | 3.45% | 3.58% | 3.63% | +35 bps | |
| Efficiency Ratio | 84.30% | 83.41% | 81.27% | 86.67% | 73.33% | -1,097 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 2.09% | -1.08% | -1.19% | -1.23% | -0.67% | -277 bps | |
| Loan Growth (YoY) | -0.85% | 1.08% | 4.99% | 7.81% | 10.39% | +1,124 bps | |
| Share Growth (YoY) | 1.18% | -1.88% | -3.17% | -2.42% | -2.37% | -355 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 0.58% | 0.58% | 0.71% | 0.56% | 0.62% | +4 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||
| Risk-Based Capital | 9.73% | 9.88% | 10.18% | 10.00% | 10.58% | +85 bps | |
| Net Worth / Assets | 9.73% | 9.88% | 10.18% | 10.00% | 10.58% | +85 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 64.44% | 67.05% | 69.89% | 69.29% | 72.86% | +842 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |