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 | |