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Letter portraitLegal landscapeQuarterYTD

Erie Firefighters

Erie, PA · Charter 8625

NCUA · 1 branch

Q2 2026

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

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.

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.

MetricQ3 2024Q4 2024Q1 2025Q2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets0.63%0.77%0.39%0.81%1.09%0.93%0.88%0.88%+7 bps
Return on Equity5.27%6.16%3.16%6.54%8.22%6.64%6.28%6.29%-25 bps
Net Interest Margin2.74%2.87%2.99%3.07%3.32%3.26%3.38%3.43%+35 bps
Efficiency Ratio72.92%71.15%86.95%75.43%69.32%74.16%75.04%76.03%+60 bps
Growth
Asset Growth (YoY)-6.17%-6.66%-0.36%1.39%-2.27%-4.04%-5.22%-4.86%-626 bps
Loan Growth (YoY)-9.02%-12.33%-11.81%-13.91%-12.85%-10.93%-11.53%-10.19%+373 bps
Share Growth (YoY)-3.16%-1.30%-1.29%0.51%-3.81%-5.71%-7.07%-6.63%-714 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0.42%0.00%0.31%+31 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 Capital11.91%12.49%12.37%12.40%13.29%13.94%14.05%13.94%+154 bps
Net Worth / Assets11.91%12.49%12.37%12.40%13.29%13.94%14.05%13.94%+154 bps
Liquidity & Funding
Loans / Shares35.21%34.72%32.36%30.33%31.90%32.80%30.81%29.17%-116 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0.00%0.00%0.00%0 bps