PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Erie County Employees

Buffalo, NY · Charter 62923

NCUA · 1 branch

Q1 2026

$32.3MAssets
$7.9MLoans
$27.8MShares
$4.2MNet 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 0.38%, down 34 bps year over year; NIM at 2.91%.
  • Asset quality: problem loans at 0.93% of loans (+68 bps YoY).
  • Capital: net worth / assets of 13.15%, up 20 bps from a year ago.
  • Funding: loans stand at 28.29% of shares as of Q1 2026.

Financial Results

Return on Assets (YTD, annualized)

0.38%-34 bps YoY

Net Interest Margin (YTD, annualized)

2.91%+23 bps YoY

Efficiency Ratio (YTD, annualized)

86.27%+1,054 bps YoY

Net Worth / Assets

13.15%+20 bps YoY

Year to date, annualized, through each quarter.

MetricQ1 2025Q2 2025Q3 2025Q4 2025Q1 2026YoY ΔTrend
Earnings
Return on Assets0.72%0.67%0.85%0.57%0.38%-34 bps
Return on Equity5.53%5.08%6.34%4.34%2.86%-267 bps
Net Interest Margin2.68%2.78%2.89%2.88%2.91%+23 bps
Efficiency Ratio75.72%78.14%73.12%81.87%86.27%+1,054 bps
Growth
Asset Growth (YoY)-2.42%-1.55%0.14%2.80%2.09%+452 bps
Loan Growth (YoY)-14.89%-15.06%-14.16%-15.24%-14.59%+29 bps
Share Growth (YoY)-3.38%-3.31%-0.55%2.50%1.71%+509 bps
Asset Quality
Delinquent Loans / Loans0.25%0.28%0.48%1.14%0.93%+68 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 Capital12.95%13.18%13.48%13.25%13.15%+20 bps
Net Worth / Assets12.95%13.18%13.48%13.25%13.15%+20 bps
Liquidity & Funding
Loans / Shares33.69%33.43%32.36%30.51%28.29%-540 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps