Erie, PA · Charter 24965
NCUA · 4 branches
Q2 2026
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Net Worth / Assets
Discrete quarter, annualized.
| 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 | |