Erie, PA · Charter 24965
NCUA · 4 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
3
Asset Quality
54
Profitability
19
Liquidity
74
Efficiency
17
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 24965
NCUA · 4 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 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|
| Earnings | |||||||||
| Return on Assets | 0.31% | 0.39% | 0.38% | 0.43% | 0.27% | 0.25% | 0.28% | -10 bps | |
| Return on Equity | 3.73% | 4.85% | 4.77% | 5.11% | 3.26% | 3.04% | 3.35% | -142 bps | |
| Net Interest Margin | 3.05% | 2.95% | 3.01% | 3.18% | 3.19% | 3.14% | 3.29% | +28 bps | |
| Efficiency Ratio | 86.22% | 87.82% | 86.06% | 85.15% | 88.77% | 86.35% | 84.49% | -157 bps | |
| Growth | |||||||||
| Asset Growth (YoY) | n/a | n/a | n/a | n/a | 3.55% | -0.40% | -3.04% | n/a | |
| Loan Growth (YoY) | n/a | n/a | n/a | n/a | 1.46% | 3.03% | 13.80% | n/a | |
| Share Growth (YoY) | n/a | n/a | n/a | n/a | 2.38% | -1.24% | -4.41% | n/a | |
| Asset Quality | |||||||||
| Delinquent Loans / Loans | 0.52% | 0.53% | 0.74% | 0.73% | 0.82% | 0.68% | 0.51% | -23 bps | |
| Net Charge-Offs / Loans | 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 bps | |
| Capital | |||||||||
| Risk-Based Capital | 8.38% | 7.96% | 7.91% | 8.38% | 8.29% | 8.16% | 8.31% | +40 bps | |
| Net Worth / Assets | 8.38% | 7.96% | 7.91% | 8.38% | 8.29% | 8.16% | 8.31% | +40 bps | |
| Liquidity & Funding | |||||||||
| Loans / Shares | 54.26% | 49.80% | 49.43% | 50.98% | 53.77% | 51.95% | 58.85% | +942 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Erie, PA · Charter 24965 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 4 branches
Q2 2026
Return on Assets
0.28%
Rank 68 of 72
Net Interest Margin
3.29%
Rank 49 of 72
Efficiency Ratio
84.47%
Rank 61 of 72
Equity / Assets
8.31%
Rank 70 of 72
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.28% | 0.59% | 1.06% | 1.40% | Beats 6% | 68 / 72 | ||
| Return on Equity | 3.36% | 5.27% | 7.11% | 9.91% | Beats 18% | 59 / 72 | ||
| Net Interest Margin | 3.29% | 3.09% | 3.57% | 4.10% | Beats 32% | 49 / 72 | ||
| Efficiency Ratio | 84.47% | 64.37% | 73.67% | 81.63% | Beats 17% | 61 / 72 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.51% | 0.20% | 0.58% | 1.09% | Beats 54% | 34 / 72 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 8.31% | 10.74% | 12.96% | 16.84% | Beats 3% | 70 / 72 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 8.31% | 10.74% | 12.96% | 16.84% | Beats 3% | 70 / 72 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 58.85% | 34.39% | 52.54% | 65.98% | 64th pctl | 26 / 72 | ||
| Loans / Assets | 53.25% | 30.23% | 45.37% | 57.67% | 68th pctl | 23 / 72 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||