Tri State Rail
Erie, PA · Charter 6070 · Peer group: credit unions under $1B in assets in PA (n=72)
NCUA · 3 branches
Q2 2026
$19.9MAssets
$6.2MLoans
$15.9MShares
$4.0MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 79% of credit unions under $1B in assets in PA (rank 15 of 72).
- Widest gap: return on equity trails 89% of credit unions under $1B in assets in PA (rank 64 of 72).
- Overall: at or above the peer median on 4 of 7 directional measures.
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 |