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Erie Lackawanna Railroad Co. Emp

Hoboken, NJ · Charter 4158

NCUA · 1 branch

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 the New York-Newark-Jersey City, NY-NJ area3

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 the New York-Newark-Jersey City, NY-NJ area (n=158 to 159). 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

82

Q2 2024Q2 2026peer median (50)

Asset Quality

72

Q2 2024Q2 2026peer median (50)

Profitability

48

Q2 2024Q2 2026peer median (50)

Liquidity

71

Q2 2024Q2 2026peer median

Efficiency

67

Q2 2024Q2 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 2026-10-11

Erie Lackawanna Railroad Co. Emp

Hoboken, NJ · Charter 4158

NCUA · 1 branch

Q2 2026

$11.9MAssets
$3.2MLoans
$8.9MShares
$3.0MNet 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 0.53%, up 11 bps year over year; NIM at 3.52%.
  • Asset quality: problem loans at 0.64% of loans (-91 bps YoY).
  • Capital: net worth / assets of 25.36%, down 40 bps from a year ago.
  • Funding: loans stand at 35.96% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.53%+11 bps YoY

Net Interest Margin (YTD, annualized)

3.52%+46 bps YoY

Efficiency Ratio (YTD, annualized)

79.42%-722 bps YoY

Net Worth / Assets

25.36%-40 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.42%0.45%0.46%0.60%0.53%+11 bps
Return on Equity1.62%1.75%1.80%2.39%2.10%+47 bps
Net Interest Margin3.06%3.10%3.17%3.35%3.52%+46 bps
Efficiency Ratio86.64%85.69%85.75%82.56%79.42%-722 bps
Growth
Asset Growth (YoY)3.36%3.70%4.63%4.68%3.41%+6 bps
Loan Growth (YoY)-10.87%-10.10%-4.75%2.28%3.99%+1,487 bps
Share Growth (YoY)3.66%4.26%5.57%5.67%3.89%+23 bps
Asset Quality
Delinquent Loans / Loans1.56%1.53%1.20%0.90%0.64%-91 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital25.76%26.00%25.73%25.03%25.36%-40 bps
Net Worth / Assets25.76%26.00%25.73%25.03%25.36%-40 bps
Liquidity & Funding
Loans / Shares35.93%34.82%34.84%33.55%35.96%+4 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

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 2026-10-11

Erie Lackawanna Railroad Co. Emp

Hoboken, NJ · Charter 4158 · Peer group: credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (n=158-159)

NCUA · 1 branch

Q2 2026

$11.9MAssets
$3.2MLoans
$8.9MShares
$3.0MNet Worth

Executive Summary

  • Strongest standing: tier 1 capital ratio outperforms 82% of credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 29 of 159).
  • Widest gap: net interest margin trails 60% of credit unions under $1B in assets in the New York-Newark-Jersey City, NY-NJ area (rank 95 of 159).
  • Overall: at or above the peer median on 5 of 7 directional measures.

Return on Assets

0.54%

Rank 69 of 159

Net Interest Margin

3.52%

Rank 95 of 159

Efficiency Ratio

79.44%

Rank 53 of 158

Equity / Assets

25.36%

Rank 29 of 159

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.54%0.00%0.40%1.00%Beats 57%69 / 159
Return on Equity2.12%0.04%2.43%6.24%Beats 46%86 / 159
Net Interest Margin3.52%2.79%3.84%4.44%Beats 40%95 / 159
Efficiency Ratio79.44%74.21%85.84%96.50%Beats 67%53 / 158
Asset Quality
Nonperforming Loans / Loans0.66%0.42%1.27%2.96%Beats 72%46 / 158
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio25.36%10.80%14.61%21.35%Beats 82%29 / 159
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets25.36%10.80%14.61%21.35%Beats 82%29 / 159
Liquidity & Funding
Loans / Deposits35.97%27.85%44.27%75.14%36th pctl101 / 159
Loans / Assets26.80%22.38%35.34%62.74%33rd pctl107 / 159
Brokered Deposits / Depositsn/aNot reported for this institution