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Letter portraitLegal landscapeQuarterYTD

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.

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