Erie, PA · Charter 6070
NCUA · 3 branches
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
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 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.63% | 0.88% | 0.88% | 0.24% | 0.50% | -13 bps | |
| Return on Equity | 3.44% | 4.56% | 4.45% | 1.26% | 2.52% | -92 bps | |
| Net Interest Margin | 3.45% | 3.56% | 3.58% | 3.36% | 3.57% | +12 bps | |
| Efficiency Ratio | 78.58% | 74.40% | 75.06% | 91.83% | 85.24% | +665 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.23% | -0.06% | -3.21% | -2.42% | -4.72% | -595 bps | |
| Loan Growth (YoY) | -6.68% | -10.18% | -11.58% | -8.21% | -10.50% | -382 bps | |
| Share Growth (YoY) | 0.57% | -1.11% | -4.89% | -4.14% | -6.78% | -736 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 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 |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 18.30% | 19.24% | 19.68% | 19.36% | 19.98% | +168 bps | |
| Net Worth / Assets | 18.30% | 19.24% | 19.68% | 19.36% | 19.98% | +168 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 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 bps | |