PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Great Erie

Orchard Park, NY · Charter 7925

NCUA · 4 branches

Q2 2026

$149.6MAssets
$92.5MLoans
$130.9MShares
$18.6MNet 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 1.28%, up 25 bps year over year; NIM at 3.57%.
  • Asset quality: problem loans at 0.47% of loans (+7 bps YoY).
  • Capital: net worth / assets of 12.43%, up 108 bps from a year ago.
  • Funding: loans stand at 70.71% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

1.28%+25 bps YoY

Net Interest Margin (YTD, annualized)

3.57%+22 bps YoY

Efficiency Ratio (YTD, annualized)

71.20%-314 bps YoY

Net Worth / Assets

12.43%+108 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.03%1.46%1.04%1.96%1.28%+25 bps
Return on Equity9.04%12.22%8.84%16.31%10.26%+122 bps
Net Interest Margin3.34%3.41%3.40%3.40%3.57%+22 bps
Efficiency Ratio74.33%66.85%74.62%59.40%71.20%-314 bps
Growth
Asset Growth (YoY)8.77%10.45%10.00%3.90%1.33%-744 bps
Loan Growth (YoY)2.86%2.96%3.20%-2.66%-1.51%-438 bps
Share Growth (YoY)8.79%10.16%10.36%3.33%0.21%-858 bps
Asset Quality
Delinquent Loans / Loans0.39%0.14%0.27%0.34%0.47%+7 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 Capital11.35%11.93%11.71%12.02%12.43%+108 bps
Net Worth / Assets11.35%11.93%11.71%12.02%12.43%+108 bps
Liquidity & Funding
Loans / Shares71.95%74.21%71.66%69.02%70.71%-124 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps