Erie, PA · Charter 8626
NCUA · 3 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
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.
Credit unions under $1B in assets (n=1,681 to 1,683). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
95
Asset Quality
100
Profitability
49
Liquidity
88
Efficiency
40
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.
Erie, PA · Charter 8626
NCUA · 3 branches
Q2 2026
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 | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.80% | 0.69% | 0.81% | 1.16% | 1.16% | 1.27% | 0.53% | 0.73% | -43 bps | |
| Return on Equity | 3.56% | 2.83% | 3.37% | 4.70% | 4.43% | 4.59% | 1.98% | 2.79% | -191 bps | |
| Net Interest Margin | 3.72% | 2.18% | 4.12% | 4.28% | 4.47% | 4.67% | 4.28% | 4.22% | -6 bps | |
| Efficiency Ratio | 78.58% | 68.38% | 80.46% | 72.88% | 74.14% | 72.88% | 87.65% | 82.76% | +988 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -0.54% | -1.43% | -2.34% | -3.92% | -9.87% | -6.96% | -6.72% | -2.04% | +188 bps | |
| Loan Growth (YoY) | 10.69% | 9.57% | 0.15% | -5.82% | -10.74% | -4.61% | -13.24% | -15.89% | -1,007 bps | |
| Share Growth (YoY) | -0.98% | -3.51% | -4.37% | -6.42% | -14.36% | -10.86% | -10.26% | -4.02% | +240 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 0.97% | 1.00% | 1.02% | 1.09% | 1.25% | 1.19% | 1.33% | 1.44% | +35 bps | |
| Capital | ||||||||||
| Risk-Based Capital | 22.47% | 24.52% | 23.93% | 24.75% | 26.11% | 27.62% | 26.80% | 26.23% | +148 bps | |
| Net Worth / Assets | 22.47% | 24.52% | 23.93% | 24.75% | 26.11% | 27.62% | 26.80% | 26.23% | +148 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 74.30% | 81.02% | 76.99% | 75.07% | 77.44% | 86.70% | 74.43% | 65.79% | -928 bps | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
Erie, PA · Charter 8626 · Peer group: credit unions under $1B in assets (n=1,681-1,683)
NCUA · 3 branches
Q2 2026
Return on Assets
0.71%
Rank 866 of 1,683
Net Interest Margin
4.27%
Rank 453 of 1,683
Efficiency Ratio
81.48%
Rank 1,007 of 1,682
Equity / Assets
26.22%
Rank 85 of 1,683
| Metric | Your Credit Union | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.71% | 0.35% | 0.74% | 1.18% | Beats 49% | 866 / 1,683 | ||
| Return on Equity | 2.71% | 2.67% | 5.89% | 8.74% | Beats 26% | 1,252 / 1,681 | ||
| Net Interest Margin | 4.27% | 3.31% | 3.82% | 4.32% | Beats 73% | 453 / 1,683 | ||
| Efficiency Ratio | 81.48% | 68.91% | 78.20% | 86.93% | Beats 40% | 1,007 / 1,682 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.00% | 0.26% | 0.65% | 1.29% | Beats 100% | 132 / 1,682 | ||
| Net Charge-Offs / Loans | n/a | Not reported for this institution | ||||||
| Capital | ||||||||
| Tier 1 Capital Ratio | 26.22% | 10.44% | 12.89% | 16.53% | Beats 95% | 85 / 1,683 | ||
| Total Risk-Based Capital Ratio | n/a | Not reported for this institution | ||||||
| Equity / Assets | 26.22% | 10.44% | 12.89% | 16.53% | Beats 95% | 85 / 1,683 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 65.79% | 52.61% | 69.38% | 83.50% | 43rd pctl | 956 / 1,683 | ||
| Loans / Assets | 48.36% | 44.71% | 59.18% | 70.72% | 31st pctl | 1,163 / 1,683 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||