Erie, PA · Charter 6070
NCUA · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Credit unions under $1B in assets in PA (n=72). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
79
Asset Quality
57
Profitability
27
Liquidity
43
Efficiency
15
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, PA · Charter 6070
NCUA · 3 branches
Q2 2026
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.65% | 0.68% | 0.68% | 0.63% | 0.88% | 0.88% | 0.24% | 0.50% | -13 bps | |
| Return on Equity | 3.52% | 3.72% | 3.72% | 3.44% | 4.56% | 4.45% | 1.26% | 2.52% | -92 bps | |
| Net Interest Margin | 3.12% | 3.12% | 3.39% | 3.45% | 3.56% | 3.58% | 3.36% | 3.57% | +12 bps | |
| Efficiency Ratio | 78.85% | 77.75% | 78.53% | 78.58% | 74.40% | 75.06% | 91.83% | 85.24% | +665 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -5.16% | -1.05% | -0.95% | 1.23% | -0.06% | -3.21% | -2.42% | -4.72% | -595 bps | |
| Loan Growth (YoY) | -1.44% | -7.19% | -12.27% | -6.68% | -10.18% | -11.58% | -8.21% | -10.50% | -382 bps | |
| Share Growth (YoY) | -7.15% | -2.18% | -1.99% | 0.57% | -1.11% | -4.89% | -4.14% | -6.78% | -736 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 1.79% | 1.78% | 2.23% | 1.34% | 1.24% | 0.58% | 0.62% | 0.50% | -84 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 18.39% | 18.22% | 18.19% | 18.30% | 19.24% | 19.68% | 19.36% | 19.98% | +168 bps | |
| Net Worth / Assets | 18.39% | 18.22% | 18.19% | 18.30% | 19.24% | 19.68% | 19.36% | 19.98% | +168 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 44.86% | 42.43% | 38.96% | 40.57% | 40.75% | 39.45% | 37.31% | 38.95% | -162 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Erie, PA · Charter 6070 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 3 branches
Q2 2026
Return on Assets
0.50%
Rank 58 of 72
Net Interest Margin
3.57%
Rank 36 of 72
Efficiency Ratio
85.33%
Rank 62 of 72
Equity / Assets
19.98%
Rank 15 of 72
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.50% | 0.59% | 1.06% | 1.40% | Beats 19% | 58 / 72 | ||
| Return on Equity | 2.51% | 5.27% | 7.11% | 9.91% | Beats 11% | 64 / 72 | ||
| Net Interest Margin | 3.57% | 3.09% | 3.57% | 4.10% | Beats 50% | 36 / 72 | ||
| Efficiency Ratio | 85.33% | 64.37% | 73.67% | 81.63% | Beats 15% | 62 / 72 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.50% | 0.20% | 0.58% | 1.09% | Beats 57% | 32 / 72 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 19.98% | 10.74% | 12.96% | 16.84% | Beats 79% | 15 / 72 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 19.98% | 10.74% | 12.96% | 16.84% | Beats 79% | 15 / 72 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 38.95% | 34.39% | 52.54% | 65.98% | 32nd pctl | 49 / 72 | ||
| Loans / Assets | 31.05% | 30.23% | 45.37% | 57.67% | 28th pctl | 52 / 72 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||