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 | Peer Position |
|---|
| 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 |