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

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.

Return on Assets (quarter, annualized)

1.28%+25 bps YoY

Net Interest Margin (quarter, annualized)

3.57%+22 bps YoY

Efficiency Ratio (quarter, annualized)

71.20%-314 bps YoY

Net Worth / Assets

12.43%+108 bps YoY

Discrete quarter, annualized.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.96%1.03%1.15%1.03%1.46%1.04%1.96%1.28%+25 bps
Return on Equity8.21%8.77%10.22%9.04%12.22%8.84%16.31%10.26%+122 bps
Net Interest Margin3.02%3.07%3.30%3.34%3.41%3.40%3.40%3.57%+22 bps
Efficiency Ratio70.46%69.56%72.93%74.33%66.85%74.62%59.40%71.20%-314 bps
Growth
Asset Growth (YoY)-0.10%3.85%9.20%8.77%10.45%10.00%3.90%1.33%-744 bps
Loan Growth (YoY)2.06%-1.49%2.57%2.86%2.96%3.20%-2.66%-1.51%-438 bps
Share Growth (YoY)-1.07%3.01%9.06%8.79%10.16%10.36%3.33%0.21%-858 bps
Asset Quality
Delinquent Loans / Loans0.23%0.39%0.20%0.39%0.14%0.27%0.34%0.47%+7 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/an/an/an/a
Allowance / Loans0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps
Capital
Risk-Based Capital11.64%11.74%11.21%11.35%11.93%11.71%12.02%12.43%+108 bps
Net Worth / Assets11.64%11.74%11.21%11.35%11.93%11.71%12.02%12.43%+108 bps
Liquidity & Funding
Loans / Shares79.40%76.63%73.27%71.95%74.21%71.66%69.02%70.71%-124 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps