PackageTrendsPeer
Letter portraitLegal landscapeQuarterYTD

Erie Police

Erie, PA · Charter 8626

NCUA · 3 branches

Q2 2026

$2.5MAssets
$1.2MLoans
$1.9MShares
$663KNet 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 0.73%, down 43 bps year over year; NIM at 4.22%.
  • Asset quality: problem loans at 0.00% of loans (0 bps YoY).
  • Capital: net worth / assets of 26.23%, up 148 bps from a year ago.
  • Funding: loans stand at 65.79% of shares as of Q2 2026.

Financial Results

Return on Assets (YTD, annualized)

0.73%-43 bps YoY

Net Interest Margin (YTD, annualized)

4.22%-6 bps YoY

Efficiency Ratio (YTD, annualized)

82.76%+988 bps YoY

Net Worth / Assets

26.23%+148 bps YoY

Year to date, annualized, through each quarter.

MetricQ2 2025Q3 2025Q4 2025Q1 2026Q2 2026YoY ΔTrend
Earnings
Return on Assets1.16%1.16%1.27%0.53%0.73%-43 bps
Return on Equity4.70%4.43%4.59%1.98%2.79%-191 bps
Net Interest Margin4.28%4.47%4.67%4.28%4.22%-6 bps
Efficiency Ratio72.88%74.14%72.88%87.65%82.76%+988 bps
Growth
Asset Growth (YoY)-3.92%-9.87%-6.96%-6.72%-2.04%+188 bps
Loan Growth (YoY)-5.82%-10.74%-4.61%-13.24%-15.89%-1,007 bps
Share Growth (YoY)-6.42%-14.36%-10.86%-10.26%-4.02%+240 bps
Asset Quality
Delinquent Loans / Loans0.00%0.00%0.00%0.00%0.00%0 bps
Net Charge-Offs / Loansn/an/an/an/an/an/an/a
Allowance / Loans1.09%1.25%1.19%1.33%1.44%+35 bps
Capital
Risk-Based Capital24.75%26.11%27.62%26.80%26.23%+148 bps
Net Worth / Assets24.75%26.11%27.62%26.80%26.23%+148 bps
Liquidity & Funding
Loans / Shares75.07%77.44%86.70%74.43%65.79%-928 bps
Liquid Assets / Assets0.00%0.00%0.00%0.00%0.00%0 bps