Erie, PA · Charter 8625
NCUA · 1 branch
Q2 2026
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.81% | 1.09% | 0.93% | 0.88% | 0.88% | +7 bps | |
| Return on Equity | 6.54% | 8.22% | 6.64% | 6.28% | 6.29% | -25 bps | |
| Net Interest Margin | 3.07% | 3.32% | 3.26% | 3.38% | 3.43% | +35 bps | |
| Efficiency Ratio | 75.43% | 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 / Loans | 0.00% | 0.00% | 0.42% | 0.00% | 0.31% | +31 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Capital | |||||||
| Risk-Based Capital | 12.40% | 13.29% | 13.94% | 14.05% | 13.94% | +154 bps | |
| Net Worth / Assets | 12.40% | 13.29% | 13.94% | 14.05% | 13.94% | +154 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 30.33% | 31.90% | 32.80% | 30.81% | 29.17% | -116 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |