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

Asset Quality

Profitability

Liquidity

Efficiency

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 County Employees

Buffalo, NY · Charter 24990

Q2 2026

$31.5MAssets

$7.7MLoans

$27.0MShares

$4.3MNet Worth

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.

Return on Assets (YTD, annualized)

0.64%

n/a

Net Interest Margin (YTD, annualized)

3.00%

n/a

Efficiency Ratio (YTD, annualized)

79.98%

n/a

Net Worth / Assets

13.69%

n/a

Year to date, annualized, through each quarter.

Metric	Q2 2026	YoY Δ	Trend
Earnings
Return on Assets	0.64%	n/a	n/a
Return on Equity	4.65%	n/a	n/a
Net Interest Margin	3.00%	n/a	n/a
Efficiency Ratio	79.98%	n/a	n/a
Growth
Asset Growth (YoY)	n/a	n/a	n/a
Loan Growth (YoY)	n/a	n/a	n/a
Share Growth (YoY)	n/a	n/a	n/a
Asset Quality
Delinquent Loans / Loans	1.15%	n/a	n/a
Net Charge-Offs / Loans	n/a	n/a	n/a
Allowance / Loans	0.00%	n/a	n/a
Capital
Risk-Based Capital	13.69%	n/a	n/a
Net Worth / Assets	13.69%	n/a	n/a
Liquidity & Funding
Loans / Shares	28.42%	n/a	n/a
Liquid Assets / Assets	0.00%	n/a	n/a

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

Metric	Your Credit Union	Peer 25th	Peer Median	Peer 75th	Standing	Rank	8-Qtr Trend
Earnings
Return on Assets	0.64%	0.28%	1.01%	1.42%	Beats 31%	41 / 59	n/a
Return on Equity	4.64%	2.31%	7.92%	10.52%	Beats 31%	41 / 59	n/a
Net Interest Margin	3.01%	3.24%	3.66%	4.04%	Beats 15%	50 / 59	n/a
Efficiency Ratio	79.85%	63.53%	74.15%	82.44%	Beats 32%	41 / 59	n/a
Asset Quality
Nonperforming Loans / Loans	1.16%	0.32%	0.68%	1.20%	Beats 29%	43 / 59	n/a
Net Charge-Offs / Loans	n/a	Not reported for this institution
Capital
Tier 1 Capital Ratio	13.69%	10.94%	13.05%	16.06%	Beats 54%	27 / 59	n/a
Total Risk-Based Capital Ratio	n/a	Not reported for this institution
Equity / Assets	13.69%	10.94%	13.05%	16.06%	Beats 54%	27 / 59	n/a
Liquidity & Funding
Loans / Deposits	28.43%	40.49%	57.59%	78.86%	10th pctl	53 / 59	n/a
Loans / Assets	24.40%	33.06%	50.92%	63.03%	10th pctl	53 / 59	n/a
Brokered Deposits / Deposits	n/a	Not reported for this institution