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Erie County Employees

Buffalo, NY · Charter 24990

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in NY3

Basis

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.

Peer group

Credit unions under $1B in assets in NY (n=59). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

54

Q2 2026Q2 2026peer median (50)

Asset Quality

29

Q2 2026Q2 2026peer median (50)

Profitability

26

Q2 2026Q2 2026peer median (50)

Liquidity

0

Q2 2026Q2 2026peer median

Efficiency

32

Q2 2026Q2 2026peer median (50)

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.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

Erie County Employees

Buffalo, NY · Charter 24990

Q2 2026

$31.5MAssets
$7.7MLoans
$27.0MShares
$4.3MNet Worth

NIM

NIM decomposition not available for credit unions

Non-interest income vs. expense

Non-interest trend not available for credit unions

Executive Summary

  • Earnings: ROA of 0.64%; NIM at 3.00%.
  • Asset quality: problem loans at 1.15% of loans.
  • Capital: net worth / assets of 13.69%.
  • Funding: loans stand at 28.42% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.64%

Net Interest Margin (YTD, annualized)

3.00%

Efficiency Ratio (YTD, annualized)

79.98%

Net Worth / Assets

13.69%

Year to date, annualized, through each quarter.

MetricQ2 2026YoY ΔTrend
Earnings
Return on Assets0.64%n/an/a
Return on Equity4.65%n/an/a
Net Interest Margin3.00%n/an/a
Efficiency Ratio79.98%n/an/a
Growth
Asset Growth (YoY)n/an/an/a
Loan Growth (YoY)n/an/an/a
Share Growth (YoY)n/an/an/a
Asset Quality
Delinquent Loans / Loans1.15%n/an/a
Net Charge-Offs / Loansn/an/an/a
Allowance / Loans0.00%n/an/a
Capital
Risk-Based Capital13.69%n/an/a
Net Worth / Assets13.69%n/an/a
Liquidity & Funding
Loans / Shares28.42%n/an/a
Liquid Assets / Assets0.00%n/an/a

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-10

Erie County Employees

Buffalo, NY · Charter 24990 · Peer group: credit unions under $1B in assets in NY (n=59)

Q2 2026

$31.5MAssets
$7.7MLoans
$27.0MShares
$4.3MNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 54% of credit unions under $1B in assets in NY (rank 27 of 59).
  • Widest gap: net interest margin trails 85% of credit unions under $1B in assets in NY (rank 50 of 59).
  • Overall: at or above the peer median on 2 of 7 directional measures.

Return on Assets

0.64%

Rank 41 of 59

Net Interest Margin

3.01%

Rank 50 of 59

Efficiency Ratio

79.85%

Rank 41 of 59

Equity / Assets

13.69%

Rank 27 of 59

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.64%0.28%1.01%1.42%Beats 31%41 / 59
Return on Equity4.64%2.31%7.92%10.52%Beats 31%41 / 59
Net Interest Margin3.01%3.24%3.66%4.04%Beats 15%50 / 59
Efficiency Ratio79.85%63.53%74.15%82.44%Beats 32%41 / 59
Asset Quality
Nonperforming Loans / Loans1.16%0.32%0.68%1.20%Beats 29%43 / 59
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio13.69%10.94%13.05%16.06%Beats 54%27 / 59
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets13.69%10.94%13.05%16.06%Beats 54%27 / 59
Liquidity & Funding
Loans / Deposits28.43%40.49%57.59%78.86%10th pctl53 / 59
Loans / Assets24.40%33.06%50.92%63.03%10th pctl53 / 59
Brokered Deposits / Depositsn/aNot reported for this institution