Erie County Employees
Buffalo, NY · Charter 62923 · Peer group: credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (n=60-61)
NCUA · 1 branch
Q1 2026
$32.3MAssets
$7.9MLoans
$27.8MShares
$4.2MNet Worth
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 54% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 28 of 61).
- Widest gap: net interest margin trails 79% of credit unions under $1B in assets in the Buffalo-Cheektowaga, NY area (rank 48 of 61).
- Overall: at or above the peer median on 2 of 7 directional measures.
Return on Assets
0.37%
Rank 41 of 61
Net Interest Margin
2.91%
Rank 48 of 61
Efficiency Ratio
86.38%
Rank 44 of 60
Equity / Assets
13.15%
Rank 28 of 61
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.37% | 0.27% | 0.63% | 1.27% | Beats 33% | 41 / 61 | | |
| Return on Equity | 2.83% | 2.50% | 4.69% | 9.75% | Beats 31% | 42 / 61 | | |
| Net Interest Margin | 2.91% | 2.97% | 3.60% | 3.98% | Beats 21% | 48 / 61 | | |
| Efficiency Ratio | 86.38% | 68.94% | 79.50% | 89.04% | Beats 28% | 44 / 60 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.93% | 0.21% | 0.54% | 1.23% | Beats 36% | 40 / 61 | | |
| Net Charge-Offs / Loans | n/a | Not reported for this institution |
| Capital |
| Tier 1 Capital Ratio | 13.15% | 10.70% | 12.84% | 16.10% | Beats 54% | 28 / 61 | | |
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution |
| Equity / Assets | 13.15% | 10.70% | 12.84% | 16.10% | Beats 54% | 28 / 61 | | |
| Liquidity & Funding |
| Loans / Deposits | 28.29% | 44.40% | 54.68% | 70.18% | 8th pctl | 56 / 61 | | |
| Loans / Assets | 24.40% | 37.69% | 47.28% | 58.38% | 10th pctl | 55 / 61 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |