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Erie Firefighters

Erie, PA · Charter 8625

NCUA · 1 branch

Q2 2026

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, credit unions under $1B in assets in PA3

Basis

Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

Credit unions under $1B in assets in PA (n=72). Each measure ranks only the institutions that reported it, so n varies by measure.

Peer groups below the disclosure floor are suppressed.

Peer standing

Capital

61

Q2 2024Q2 2026peer median (50)

Asset Quality

71

Q2 2024Q2 2026peer median (50)

Profitability

41

Q2 2024Q2 2026peer median (50)

Liquidity

2

Q2 2024Q2 2026peer median

Efficiency

46

Q2 2024Q2 2026peer median (50)

Growth

No peer data yet

Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-11

Erie Firefighters

Erie, PA · Charter 8625

NCUA · 1 branch

Q2 2026

$10.0MAssets
$2.5MLoans
$8.6MShares
$1.4MNet 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 0.88%, up 7 bps year over year; NIM at 3.43%.
  • Asset quality: problem loans at 0.31% of loans (+31 bps YoY).
  • Capital: net worth / assets of 13.94%, up 154 bps from a year ago.
  • Funding: loans stand at 29.17% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.88%+7 bps YoY

Net Interest Margin (YTD, annualized)

3.43%+35 bps YoY

Efficiency Ratio (YTD, annualized)

76.03%+60 bps YoY

Net Worth / Assets

13.94%+154 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.81%1.09%0.93%0.88%0.88%+7 bps
Return on Equity6.54%8.22%6.64%6.28%6.29%-25 bps
Net Interest Margin3.07%3.32%3.26%3.38%3.43%+35 bps
Efficiency Ratio75.43%69.32%74.16%75.04%76.03%+60 bps
Growth
Asset Growth (YoY)1.39%-2.27%-4.04%-5.22%-4.86%-626 bps
Loan Growth (YoY)-13.91%-12.85%-10.93%-11.53%-10.19%+373 bps
Share Growth (YoY)0.51%-3.81%-5.71%-7.07%-6.63%-714 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.42%0.00%0.31%+31 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 Capital12.40%13.29%13.94%14.05%13.94%+154 bps
Net Worth / Assets12.40%13.29%13.94%14.05%13.94%+154 bps
Liquidity & Funding
Loans / Shares30.33%31.90%32.80%30.81%29.17%-116 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps

Source: NCUA 5300 Call Report, as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas. Income-statement figures are year-to-date as filed, annualized (the UBPR convention). Each quarter includes the ones before it.

CallReports · callreports.ai· Performance TrendsGenerated 2026-10-11

Erie Firefighters

Erie, PA · Charter 8625 · Peer group: credit unions under $1B in assets in PA (n=72)

NCUA · 1 branch

Q2 2026

$10.0MAssets
$2.5MLoans
$8.6MShares
$1.4MNet Worth

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 71% of credit unions under $1B in assets in PA (rank 22 of 72).
  • Widest gap: return on equity trails 62% of credit unions under $1B in assets in PA (rank 45 of 72).
  • Overall: at or above the peer median on 3 of 7 directional measures.

Return on Assets

0.88%

Rank 42 of 72

Net Interest Margin

3.43%

Rank 41 of 72

Efficiency Ratio

76.09%

Rank 40 of 72

Equity / Assets

13.93%

Rank 28 of 72

MetricYour Credit UnionPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets0.88%0.59%1.06%1.40%Beats 42%42 / 72
Return on Equity6.29%5.27%7.11%9.91%Beats 38%45 / 72
Net Interest Margin3.43%3.09%3.57%4.10%Beats 43%41 / 72
Efficiency Ratio76.09%64.37%73.67%81.63%Beats 46%40 / 72
Asset Quality
Nonperforming Loans / Loans0.32%0.20%0.58%1.09%Beats 71%22 / 72
Net Charge-Offs / Loansn/aNot reported for this institution
Capital
Tier 1 Capital Ratio13.93%10.74%12.96%16.84%Beats 61%28 / 72
Total Risk-Based Capital Ration/aNot reported for this institution
Equity / Assets13.93%10.74%12.96%16.84%Beats 61%28 / 72
Liquidity & Funding
Loans / Deposits29.17%34.39%52.54%65.98%11th pctl64 / 72
Loans / Assets24.90%30.23%45.37%57.67%14th pctl62 / 72
Brokered Deposits / Depositsn/aNot reported for this institution